| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $94K | $94K | 2.18% |
| GE APPLIANCE5 | 4000 BUECHEL BANK ROAD APPLIANCE PARK AP4-110 LOUISVILLE, KY 40225 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $25K | $25K | 0.87% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $10K | $10K | 2.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PR INS BROKERAGE, INC | THE ATRIUM BUSINESS CENTER SUITE 310, 530 AVE SAN JUAN, PR 009022304 | MCS LIFE INSURANCE COMPANY | $20K | — | $20K | 4.95% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 1.67% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | ACE AMERICAN INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $81 | $81 | 2.85% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS OF PR | PO BOX 191229 SAN JUAN, PR 009191229 | MAPFRE LIFE INSURANCE CO. | $196 | — | $196 | 12.99% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34K | $34K | 3333.33% |
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 | 11,752 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 329 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 65 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 58 | $566K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 20,341 | $7.2M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 11,965 | $4.3M |
| Short-term disability(3 contracts, 3 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 14,771 | $2.9M |
| Long-term disability(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 14,771 | $2.9M |
| Other(3 contracts, 3 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 14,771 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,341 | — |
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."
No prospect flags tripped on this filing.