| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $138K | $138K | 1.30% |
| WILLIS TOWERS WATSON US LLC3 | 75 ARLINGTON STREET FLOOR 10 BOSTON, MA 02116 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 1.36% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS, INC. | $11K | $0 | $11K | 10.30% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS, INC. | — | $1K | $1K | 1.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WATSON WYATT & COMPANY | 901 N. GLEBE ROAD ARLINGTON, VA 22203 | METLIFE LEGAL PLANS, INC. | — | $541 | $541 | 0.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | 1 UPPER POND RD BLDG F PARSIPPANY, NJ 07054 | METLIFE LEGAL PLANS, INC. | — | $482 | $482 | 0.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | 2700 POST OAK BOULEVARD 25TH FLOOR HOUSTON, TX 770565784 | METLIFE LEGAL PLANS, INC. | — | $63 | $63 | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREMARK EIN 75-2882129 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $35K |
| BLACKROCK EIN 94-3112180 NONE | Investment management Service code 28 | — | $6K |
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 | 3,388 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,584 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,972 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 5,022 | $10.6M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 5,022 | $10.6M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 3,628 | $620K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,022 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.