| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $75K | $56K | $131K | 3.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | PO BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $23K | $3K | $26K | 14.83% |
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 | 14,682 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 77 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,759 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 164 | $772K |
| Dental | DELTA DENTAL OF COLORADO | 583 | $96K |
| Vision | VISION SERVICE PLAN | 6,913 | $782K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 14,682 | $3.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 14,682 | $3.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 14,682 | $3.3M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 164 | $772K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 17,145 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,145 | — |
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.