| 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 | — | $205K | $205K | 1.28% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $212K | $31 | $212K | 6.83% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $56K | $56K | 1.82% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | — | $35K | $35K | 1.20% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $113K | — | $113K | 3.98% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. ROCKVILLE, MD 20855 | EYEMED VISION CARE | $56K | — | $56K | 1.99% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | — | $16K | $16K | 0.66% |
| TBS AGENCY INC3 | 1776 PLEASANT PLAIN RD FAIRFIELD, IA 525568757 | METROPOLITAN LIFE INSURANCE COMPANY | $74K | — | $74K | 4.87% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | ARAG INSURANCE COMPANY | $106K | — | $106K | 7.99% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | ARAG INSURANCE COMPANY | $35K | — | $35K | 2.64% |
| MCCULLUGH, CHRISTINE M3 | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $124K | — | $124K | 20.96% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $2K | — | $2K | 4.71% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. ROCKVILLE, MD 20855 | EYEMED VISION CARE | $1K | — | $1K | 2.36% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $317 | — | $317 | 4.22% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. ROCKVILLE, MD 20855 | EYEMED VISION CARE | $158 | — | $158 | 2.10% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $593 | $97 | $690 | 20.30% |
| MORETON & COMPANY3 Filed as: FRED MORETON AND CO | 2501 E STATE AVENUE SUITE 200 MERIDIAN, ID 83642 | METROPOLITAN LIFE INSURANCE COMPANY | $10 | — | $10 | 0.29% |
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 | 27,416 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 928 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,448 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 29,792 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(3 contracts) | EYEMED VISION CARE | 49,451 | $2.9M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 39,931 | $17.5M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 39,931 | $16.0M |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 39,931 | $18.9M |
| Other(6 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 39,931 | $23.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 49,451 | — |
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.