| 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 07188 | METROPOLITAN LIFE INSURANCE COMPANY | $44K | $31K | $75K | 5.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 12505 PARK POTOMAC AVE FL 7 POTOMAC, MD 208546804 | SYMETRA LIFE INSURANCE COMPANY | $146K | $19K | $165K | 16.95% |
| CFA LLC3 | 3928 PENDER DRIVE, STE 100 FAIRFAX, VA 22030 | SYMETRA LIFE INSURANCE COMPANY | — | $12K | $12K | 1.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | IBS WASHINGTON PO BOX 13784 NEWARK, NJ 07188 | FOUR EVER LIFE INS. CO. | $29K | — | $29K | 8.71% |
| CARE FIRST BLUE SHIELD3 | 10455 MILL RUN CR. OMI 700 OWINGS MILLS, MD 21117 | FOUR EVER LIFE INS. CO. | — | $13K | $13K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | PO BOX 13784 NEWARK, NJ 071880001 | VISION SERVICE PLAN | — | $22K | $22K | 7.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | PO BOX 13784 NEWARK, NJ 07188 | METROPOLITAN LIFE INSURANCE COMPANY | $191 | $144 | $335 | 5.11% |
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 | 1,848 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 129 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,977 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS. CO. | 12 | $336K |
| Vision | VISION SERVICE PLAN | 1,568 | $305K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 3,932 | $1.5M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,627 | $971K |
| Other(2 contracts, 2 carriers) | ESI GROUP | 2,035 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,932 | — |
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.