| 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 | — | $399K | $399K | 1.47% |
| AMERICAN BENEFITS CONSULT3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $129K | — | $129K | 2.73% |
| 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% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $43K | — | $43K | 10.00% |
| AMERICAN BENEFITS CONSULT3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | — | $4K | 1.33% |
| 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% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PR BROKERAGE, INC. | 204 CALLE SAN FRANCISCO SAN JUAN, PR 00901 | TRIPLE S SALUD, INC. | $6K | — | $6K | 5.00% |
| AMERICAN BENEFITS CONSULT3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC | P.O. BOX 416672 BOSTON, MA 022416672 | METROPOLITAN LIFE INSURANCE COMPANY | — | $28 | $28 | 0.09% |
| AMERICAN BENEFITS CONSULT3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $121 | — | $121 | 6.09% |
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 | 43,498 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 649 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4,515 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 48,662 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 7 carriers) | UNITED BEHAVIOURAL HEALTH DBA OPTUM | 39,558 | $4.3M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 92 | $568K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 92 | $568K |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 74,387 | $27.3M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 38,979 | $4.7M |
| Prescription drug(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 25 | $224K |
| Other(8 contracts, 7 carriers) | UNITED BEHAVIORAL HEALTH DBA OPTUM | 88,461 | $5.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 88,461 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.