| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | 200 LIBERTY ST F16 NEW YORK, NY 10281 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $76K | $76K | 1.49% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $36K | $36K | 1.39% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $34K | — | $34K | 8.90% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | — | $4K | $4K | 1.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | 1 UPPER POND RD BLDG F PARSIPPANY, NJ 07054 | METLIFE LEGAL PLANS | — | $3K | $3K | 0.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 8500, S-6110 PHILADELPHIA, PA 19178 | METLIFE LEGAL PLANS | — | $63 | $63 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN GENERAL INSURANCE COMPANY | $14K | — | $14K | 9.57% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $2K | $2K | 1.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WATSON WYATT & COMPANY | 901 N. GLEBE ROAD ARLINGTON, VA 22203 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $1K | $1K | 0.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 8500, S-6110 PHILADELPHIA, PA 19178 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $63 | $63 | 0.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT LLC | 1166 AVE OF AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $17K | — | $17K | 25.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 CONTRACT ADMIN | Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator Service code 12 | — | $5.5M |
| LYRA HEALTH, INC. EIN 47-5645538 NONE | Direct payment from the plan; Other services Service code 49 | — | $1.7M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $480K |
| CIGNA EIN 06-0303370 CLAIMS ADMIN | Non-monetary compensation; Direct payment from the plan; Contract Administrator; Other services; Participant communication; Named fiduciary; Claims processing; Float revenue Service code 12 | — | $424K |
| MATRIX ABSENCE MANAGEMENT, INC EIN 77-0493584 NONE | Claims processing Service code 12 | — | $236K |
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 | 9,300 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 9,300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTHCARE OF CALIFORNIA | 1,808 | $10.9M |
| Dental | CONNECTICUT GERNEAL LIFE INSURANCE COMPANY | 1,302 | $264K |
| Vision | VISION SERVICE PLAN | 6,860 | $1.6M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,346 | $5.1M |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 573 | $120K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 8,304 | $2.6M |
| Other(5 contracts, 5 carriers) | METLIFE LEGAL PLANS | 9,300 | $973K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,300 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.