| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | 26 CENTURY BLVD. C/O JP MORGAN CHASE NASHVILLE, TN 372143685 | METROPOLITAN LIFE INSURANCE COMPANY | — | $73K | $73K | 1.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | PO BOX 13784 NEWARK, NJ 071883784 | METROPOLITAN LIFE INSURANCE COMPANY | — | $39 | $39 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INURANCE SERVI | 525 MARKET ST. STE 3400 SAN FRANCISCO, CA 94105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $273K | — | $273K | 12.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | PO BOX 13784 NEWARK, NJ 071883784 | METROPOLITAN LIFE INSURANCE COMPANY | $44K | $39 | $44K | 5.49% |
| HODGES-MACE LLC3 | 5775 GLENRIDGE DR. STE 500 ATLANTA, GA 303285380 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 2.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | 26 CENTURY BLVD. C/O JP MORGAN CHASE NASHVILLE, TN 372143685 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10K | $10K | 1.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 13784 NEWARK, NJ 07188 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $8K | — | $8K | 10.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 29982 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $7K | $7K | 9.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 13784 NEWARK, NJ 07188 | METROPOLITAN GENERAL INSURANCE COMPANY | $5K | $529 | $6K | 14.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSE, INC. | 29982 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $2K | $2K | 6.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS AND BLUE SHIELD CLAIMS ADMIN | Non-monetary compensation; Contract Administrator; Float revenue; Claims processing; Named fiduciary; Recordkeeping fees; Direct payment from the plan; Participant communication; Other services Service code 12 | 220 VIRGINA AVE. INDIANAPOLIS, IN 46204 | $7.0M |
| ASSURED PARTNERS GSA NATIONAL EIN 36-4829385 CONTRACT ADMIN | Contract Administrator; Recordkeeping fees; Other fees; Other services; Direct payment from the plan Service code 13 | — | $3.5M |
| EXPRESS SCRIPTS CLAIMS ADMIN | Recordkeeping fees; Participant communication; Other services; Contract Administrator; Non-monetary compensation; Named fiduciary; Float revenue; Direct payment from the plan; Claims processing Service code 12 | 1 EXPRESS WAY SAINT LOUIS, MO 63121 | $567K |
| HODGES MACE, LLC ADMINISTRATIO N | Other fees; Other services; Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | 5775 GLENRIDGE DR. BLDG E, STE 500 ATLANTA, GA 30328 | $459K |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan; Claims processing; Other services; Participant communication; Named fiduciary; Non-monetary compensation; Float revenue Service code 12 | — | $113K |
| ARONSON LLC EIN 37-1611326 ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $69K |
| FLEXFACTS EIN 27-2036736 BENEFITS ADMI NISTRATION | Claims processing Service code 12 | — | $30K |
| BANK OF AMERICA BANK | Other fees Service code 99 | PO BOX 15019 WILMINGTON, DE 19886 | $29K |
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 | 13,189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 13,210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 4,299 | $398K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 13,189 | $800K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,700 | $4.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,700 | $4.0M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 10,699 | $2.2M |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 10,846 | $855K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,189 | — |
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.