| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | METROPOLITAN LIFE INSURANCE COMPANY | $61K | $18 | $61K | 1.89% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $24K | $37K | 1.15% |
| IOA - INSURANCE OFFICE OF AMERICA3 Filed as: IOA NATIONAL INC | 1451 STATE ROUTE 34, SUITE 101 FARMINGDALE, NJ 07727 | METLIFE LEGAL PLANS | $31K | $0 | $31K | 16.57% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $0 | $2K | $2K | 0.84% |
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 | 15,417 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 101 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,518 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 189 | $1.4M |
| Dental | DELTA DENTAL OF COLORADO | 1,078 | $219K |
| Vision | VISION SERVICE PLAN | 8,866 | $916K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 15,417 | $3.2M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 15,417 | $3.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 15,417 | $3.2M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 189 | $1.4M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 26,333 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,333 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.