| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $195K | $195K | 7.45% |
| WILLIS TOWERS WATSON US LLC7 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $31K | $31K | 2.78% |
| CETERA ADVISOR NETWORKS LLC3 | 200 N SEPULVEDA BLVD STE 12000 ATTN CLIENT COMPENSATION DEPARTMENT EL SEGUNDO, CA 902455605 | METROPOLITAN LIFE INSURANCE COMPANY | $43K | — | $43K | 4.73% |
| LPL FINANCIAL CORP3 | 4707 EXECUTIVE DR ATTN CLIENT COMPENSATION DEPARTMENT SAN DIEGO, CA 921213091 | METROPOLITAN LIFE INSURANCE COMPANY | $95 | — | $95 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $77K | — | $77K | 8.36% |
| IMG5 | 960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $680 | $680 | 0.07% |
| WILLIS TOWERS WATSON US LLC7 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $7K | $7K | 0.78% |
| WILLIS TOWERS WATSON US LLC7 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 0.83% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.49% |
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUS | DEPT 3383 PO BOX 123383 DALLAS, TX 753123382 | METLIFE LEGAL PLANS | $0 | $3K | $3K | 1.13% |
| THOMAS M FALVEY | 1146 BRADFORD DRIVE POINT PLEASANT, NJ 08742 | GENWORTH LIFE INSURANCE COMPANY | $7K | — | $7K | 5.18% |
| BRUCE R PETRIE | 2626 REDINGTON ROAD HELLERTOWN, PA 18055 | GENWORTH LIFE INSURANCE COMPANY | $6K | — | $6K | 5.03% |
| B & M BROKERAGE SERVICES LLC | 29 UNION AVENUE 1ST FLOOR MANASQUAN, NJ 08736 | GENWORTH LIFE INSURANCE COMPANY | $6K | — | $6K | 5.03% |
| THOMAS M FALVEY | 1146 BRADFORD DRIVE POINT PLEASANT, NJ 08742 | GENWORTH LIFE INSURANCE COMPANY | $195 | — | $195 | 4.77% |
| B & M BROKERAGE SERVICES LLC | 29 UNION AVENUE 1ST FLOOR MANASQUAN, NJ 08736 | GENWORTH LIFE INSURANCE COMPANY | $190 | — | $190 | 4.65% |
| BRUCE R PETRIE | 2626 REDINGTON RD HELLERTOWN, PA 18055 | GENWORTH LIFE INSURANCE COMPANY | $190 | — | $190 | 4.65% |
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 | 3,504 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 97 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 108 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,709 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 3,158 | $3.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 17 | $405K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 17 | $405K |
| Life insurance(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,586 | $2.0M |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,506 | $859K |
| Other(10 contracts, 9 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 3,586 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,586 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.