| 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 | $353K | $22K | $375K | 15.67% |
| BENEPLACE, INC.3 Filed as: BENEPLACE LLC | 19495 BISCAYNE BLVD STE 300 ACCOUNT RECEIVABLE AVENTURA, FL 331802319 | METROPOLITAN LIFE INSURANCE COMPANY | $118K | $3K | $121K | 5.05% |
| NEW ENGLAND EMPLOYEE BENEFITS CO Filed as: METROPOLITAN LIFE INSURANCE COMPANY | — | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $249K | $16K | $265K | 15.79% |
| BENEPLACE, INC.3 Filed as: BENEPLACE LLC | 19495 BISCAYNE BLVD STE 300 ACCOUNT RECEIVABLE AVENTURA, NY 331802319 | METROPOLITAN LIFE INSURANCE COMPANY | $83K | $2K | $85K | 5.07% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $193K | $12K | $205K | 15.76% |
| BENEPLACE, INC.3 Filed as: BENEPLACE LLC | 19495 BISCAYNE BLVD STE 300 ACCOUNT RECEIVABLE AVENTURA, FL 331802319 | METROPOLITAN LIFE INSURANCE COMPANY | $64K | $2K | $66K | 5.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSONS US LLC | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $62 | $1K | 15.57% |
| BENEPLACE, INC.3 Filed as: BENEPLACE INC | PO BOX 203550 AUSTIN, TX 787203550 | METROPOLITAN LIFE INSURANCE COMPANY | $479 | $21 | $500 | 5.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSONS US LLC | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $658 | $41 | $699 | 16.22% |
| BENEPLACE, INC.3 Filed as: BENEPLACE INC | PO BOX 203550 AUSTIN, TX 787203550 | METROPOLITAN LIFE INSURANCE COMPANY | $219 | $14 | $233 | 5.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSONS US LLC | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $562 | $34 | $596 | 16.51% |
| BENEPLACE, INC.3 Filed as: BENEPLACE INC | PO BOX 203550 AUSTIN, TX 787203550 | METROPOLITAN LIFE INSURANCE COMPANY | $188 | $8 | $196 | 5.43% |
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 | 13,575 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 13,575 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 13,575 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,575 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.