| 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 | — | $145K | $145K | 1.88% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $60K | — | $60K | 1.83% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $14K | $14K | 1.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON PUERTO RICO | THE ATRIUM BUSINESS CENTER SUITE 310, 530 AVE CONSTITUCION SAN JUAN, PR 009012304 | MCS LIFE INSURANCE COMPANY | $35K | — | $35K | 4.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | SOUTHEAST 265 BROOKVIEW CENTRE WAY STE 505 KNOXVILLE, TN 37919 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $129K | — | $129K | 21.07% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | ACE AMERICAN INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS OF PR | PO BOX 191229 SAN JUAN, PR 009191229 | MAPFRE LIFE INSURANCE CO. | $515 | — | $515 | 15.01% |
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 | 15,504 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 152 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 478 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 91 | $806K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 24,441 | $9.7M |
| Vision | MCS LIFE INSURANCE COMPANY | 91 | $698K |
| Life insurance(2 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 15,836 | $8.4M |
| Short-term disability(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 10,167 | $3.3M |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 10,167 | $3.3M |
| Prescription drug | MCS LIFE INSURANCE COMPANY | 91 | $698K |
| Other(4 contracts, 4 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 15,504 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,441 | — |
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.