| 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 | 1.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $41K | — | $41K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 1 WORLD FINANCIAL CENTER, 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 TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET, 7TH FLOOR NEW YORK, NY 102811003 | AIG PROPERTY CASUALTY, U.S. | $872 | — | $872 | 20.00% |
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 | 38,071 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,380 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 745 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 40,196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 714 | $8.1M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 27 | $403K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 27 | $403K |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 62,430 | $27.9M |
| Short-term disability(3 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 685 | $401K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 34,123 | $6.5M |
| Prescription drug(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 23 | $226K |
| Other(8 contracts, 6 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 42,764 | $8.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 62,430 | — |
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.