| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | P.O. BOX 4557 NEW YORK, NY 10249 | AETNA LIFE INSURANCE CO. | $15K | $7K | $22K | 1.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 200 LIBERTY ST, 6TH FL. NEW YORK, NY 10281 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 9.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS W INC | P.O. BOX 101162 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 1.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 1 WORLD FINANCIAL CENTER 200 LIBERTY ST, FL. 6 NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $186 | $2K | 12.73% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S., STE 102 BIRMINGHMAM, AL 35233 | METROPOLITAN LIFE INSURANCE COMPANY | — | $105 | $105 | 0.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 1 WORLD FINANCIAL CENTER 200 LIBERTY ST, FL. 6 NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $147 | $1K | 13.65% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S., STE 102 BIRMINGHMAM, AL 35233 | METROPOLITAN LIFE INSURANCE COMPANY | $23 | $71 | $94 | 1.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 1 WORLD FINANCIAL CENTER 200 LIBERTY STREET, 6TH FLOOR NEW YORK, NY 10281 | METLIFE LEGAL PLANS OF FLORIDA | $531 | $84 | $615 | 11.58% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB, ROGAL AND HOBBS, LLC | 100 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10017 | METLIFE LEGAL PLANS OF FLORIDA | — | $28 | $28 | 0.53% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 606 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 608 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 0 | $1.4M |
| Dental | AETNA LIFE INSURANCE CO. | 0 | $1.4M |
| Vision | AETNA LIFE INSURANCE CO. | 0 | $1.4M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 513 | $64K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 513 | $64K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 513 | $64K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 0 | $1.4M |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 513 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.