| 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 | $40K | $21K | $61K | 3.77% |
| WILLIS TOWERS WATSON US LLC3 | 191 N WACKER DR STE 2100 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | — | $62 | $62 | 0.00% |
| CFA LLC3 | 3928 PENDER DRIVE, STE 100 FAIRFAX, VA 22030 | SYMETRA LIFE INSURANCE COMPANY | $171K | $19K | $190K | 16.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 12505 PARK POTOMAC AVE FL 7 POTOMAC, MD 208546804 | SYMETRA LIFE INSURANCE COMPANY | — | $50K | $50K | 4.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | PO BOX 13784 NEWARK, NJ 07188 | VISION SERVICE PLAN | — | $24K | $24K | 7.33% |
| CARE FIRST BLUE SHIELD3 | SUNTRUST PO BOX 79597 BALTIMORE, MD 21279 | FOUR EVER LIFE INS. CO. | $22K | $11K | $32K | 10.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | 12505 PARK POTOMAC AVE STE 300 POTOMAC, MD 20854 | FOUR EVER LIFE INS. CO. | $8K | $0 | $8K | 2.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | PO BOX 13784 NEWARK, NJ 07188 | METROPOLITAN LIFE INSURANCE COMPANY | $171 | $90 | $261 | 3.79% |
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 | 2,108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS. CO. | 26 | $322K |
| Vision | VISION SERVICE PLAN | 1,706 | $329K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,447 | $1.6M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,920 | $1.1M |
| Other(2 contracts, 2 carriers) | ESI GROUP | 2,140 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,447 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.