| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | 12505 PARK POTOMAC AVE POTOMAC, MD 20854 | AETNA LIFE INSURANCE CO. | — | $14K | $14K | 0.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHWEST INC | PO BOX 13784 NEWARK, NJ 07188 | AETNA LIFE INSURANCE CO. | — | $10K | $10K | 0.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | PO BOX 13784 NEWARK, NJ 071880001 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $7K | $44K | 9.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | PO BOX 13784 NEWARK, NJ 071883784 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 0.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | METLIFE LEGAL PLANS | $515 | — | $515 | 11.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | 225 SCHILLING CIRCLE SUITE 150 HUNT VALLEY, MD 21031 | METLIFE LEGAL PLANS | $84 | — | $84 | 1.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WEST HEALTH ADVOCATE SOLUTIONS, INC EIN 23-3080019 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 11808 MIRACLE HILLS DRIVE OMAHA, NE 68154 | $8K |
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 | 359 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 589 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 598 | $447K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 598 | $447K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 598 | $447K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 598 | $447K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 598 | $447K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 598 | $452K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 598 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.