| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $830K | $369K | $1.2M | 6.93% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $0 | $25K | $25K | 0.75% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $88K | — | $88K | 6.86% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $24K | — | $24K | 1.84% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: INSURANCE TOGO WORLDWIDE | 500 PROFESSIONAL CENTER DRIVE SUITE 515 NOVATO, CA 94947 | TRIPLE-S SALUD, INC. | $63K | — | $63K | 5.00% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $13K | $42K | 4.41% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 NEW YORK, NY 100878852 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | — | $44K | $44K | 5.00% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $213 | — | $213 | 4.92% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $97 | — | $97 | 2.24% |
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 | 19,586 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 71 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 106 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,763 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE-S SALUD, INC. | 591 | $1.3M |
| Dental | TRIPLE-S SALUD, INC. | 591 | $1.3M |
| Vision(2 contracts) | EYEMED VISION CARE | 22,480 | $1.3M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 19,750 | $3.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7,230 | $959K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 18,766 | $17.3M |
| Prescription drug | TRIPLE-S SALUD, INC. | 591 | $1.3M |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 11,004 | $882K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 19,750 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,480 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.