| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $302K | $302K | 1.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET, 7TH FL NEW YORK, NY 102811003 | AIG PROPERTY CASUALTY, U.S. | $1K | — | $1K | 0.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 225 BROADHOLLOW ROAD, SUITE 300 MELVILLE, NY 11747 | ACE AMERICAN INSURANCE COMPANY | $30K | — | $30K | 10.00% |
| ACRISURE LLC3 Filed as: FULCRO INSURANCE | 204 CALLE SAN FRANCISCO SAN JUAN, PA 00901 | TRIPLE S SALUD, INC. | $5K | — | $5K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC | PO BOX 416672 BOSTON, MA 022416672 | METROPOLITAN LIFE INSURANCE COMPANY | — | $61 | $61 | 0.19% |
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 | 46,055 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 722 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 602 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 47,379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | AETNA LIFE INSURANCE COMPANY | 138 | $1.5M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 111,920 | $738K |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 40,008 | $7.2M |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 80,212 | $26.1M |
| Prescription drug(2 contracts, 2 carriers) | AETNA INTERNATIONAL | 35 | $239K |
| Other(4 contracts, 4 carriers) | UNITED BEHAVIOURAL HEALTH DBA OPTUM | 58,736 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111,920 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.