| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | PO BOX 13784 NEWARK, NJ 071880001 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $25K | $60K | 4.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | PO BOX 13784 NEWARK, NJ 071880001 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $19K | $45K | 5.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | IBS WASHINGTON PO BOX 13784 NEWARK, NJ 07188 | FOUR EVER LIFE INS. CO. | $37K | — | $37K | 8.00% |
| CARE FIRST BLUE SHIELD3 | 10455 MILL RUN CR. OMI 700 OWINGS MILLS, MD 21117 | FOUR EVER LIFE INS. CO. | — | $18K | $18K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | PO BOX 13784 NEWARK, NJ 071880001 | VISION SERVICE PLAN | $19K | — | $19K | 8.00% |
| ACRISURE LLC3 Filed as: FULCRO INSURANCE | PO BOX 9024048 SAN JUAN, PR 009024048 | MAPFRE LIFE INSURANCE COMPANY OF PUERTO RICO | $606 | — | $606 | 5.58% |
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 | 2,531 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 60 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 449 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,040 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FOUR EVER LIFE INS. CO. | 61 | $472K |
| Dental | MAPFRE LIFE INSURANCE COMPANY OF PUERTO RICO | 2 | $11K |
| Vision | VISION SERVICE PLAN | 2,113 | $240K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 3,814 | $2.0M |
| Prescription drug | MAPFRE LIFE INSURANCE COMPANY OF PUERTO RICO | 2 | $11K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,800 | $754K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,814 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.