| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $13K | $569K | $583K | 3.58% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $435K | $61 | $435K | 14.20% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $37K | $37K | 1.21% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $1K | $90K | $91K | 3.27% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852, PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $76K | — | $76K | 2.87% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. ROCKVILLE, MD 20855 | EYEMED VISION CARE | $38K | — | $38K | 1.43% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $5K | $58K | $64K | 2.61% |
| TBS AGENCY INC3 | 1776 PLEASANT PLAIN RD FAIRFIELD, IA 525568757 | METROPOLITAN LIFE INSURANCE COMPANY | $70K | — | $70K | 4.34% |
| MML INS AGENCY LLC3 | PO BOX 8089 BOSTON, MA 022668089 | METROPOLITAN LIFE INSURANCE COMPANY | $12 | — | $12 | 0.00% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | ARAG INSURANCE COMPANY | $116K | — | $116K | 10.00% |
| MCCULLUGH, CHRISTINE M3 | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $122K | — | $122K | 19.91% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $2K | — | $2K | 4.12% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. ROCKVILLE, MD 20855 | EYEMED VISION CARE | $1K | — | $1K | 2.06% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $264 | — | $264 | 4.08% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. ROCKVILLE, MD 20855 | EYEMED VISION CARE | $132 | — | $132 | 2.04% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $526 | $61 | $587 | 18.88% |
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 | 34,508 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 126 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,239 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 35,873 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(3 contracts) | EYEMED VISION CARE | 48,713 | $2.7M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 35,065 | $17.9M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 35,065 | $16.3M |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 35,065 | $19.0M |
| Other(6 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 40,235 | $23.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 48,713 | — |
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.