| 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 | — | $413K | $413K | 1.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $44K | — | $44K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTH EAST | 200 LIBERTY STREET NEW YORK, NY 10281 | ACE AMERICAN INSURANCE COMPANY | $25K | — | $25K | 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. | $7K | — | $7K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC | P.O. BOX 416672 BOSTON, MA 022416672 | METROPOLITAN LIFE INSURANCE COMPANY | — | $39 | $39 | 0.11% |
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 | 43,488 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 574 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4,467 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 48,529 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 6 carriers) | AETNA LIFE INSURANCE COMPANY | 69 | $1.7M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 65 | $545K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 65 | $545K |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 70,457 | $28.6M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 38,743 | $11.9M |
| Prescription drug(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 24 | $218K |
| Other(9 contracts, 6 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 43,488 | $8.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 70,457 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.