| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $117K | $117K | 1.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA INC | PO BOX 9102 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 0.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA INC | PO BOX 9102 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | $439K | — | $439K | 9.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | 901 NORTH GLEBE ROAD ARLINGTON, VA 22203 | AETNA LIFE INSURANCE CO. | $25 | — | $25 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $454K | $8K | $462K | 13.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | — | $11K | $11K | 1.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA INC | PO BOX 9102 PHILADELPHIA, PA 19178 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | — | $876 | $876 | 0.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 NEW YORK, NY 10087 | HYATT LEGAL PLANS | $48K | — | $48K | 10.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | PO BOX 741909 ATLANTA, GA 30374 | HYATT LEGAL PLANS | — | $8K | $8K | 1.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA INC | PO BOX 8500 PHILADELPHIA, PA 19178 | HYATT LEGAL PLANS | — | $1K | $1K | 0.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA INC | PO BOX 9102 PHILADELPHIA, PA 19178 | HYATT LEGAL PLANS | — | $31 | $31 | 0.01% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | STARNET INSURANCE COMPANY | — | $4K | $4K | 20.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM INSURANCE AND RISK MGMT | 2727 ALLEN PARKWAY HOUSTON, TX 77019 | STARNET INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | 901 NORTH GLEBE ROAD ARLINGTON, VA 22203 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $291 | — | $291 | 9.49% |
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 | 19,850 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 70 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,920 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 15 | $3K |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 21,275 | $8.5M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 26,216 | $1.4M |
| Life insurance | AETNA LIFE INSURANCE CO. | 17,861 | $4.4M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 16,115 | $3.5M |
| Other(5 contracts, 5 carriers) | AETNA LIFE INSURANCE CO. | 19,849 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,216 | — |
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.