| 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 | $829K | $284K | $1.1M | 5.44% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | — | $57K | $57K | 1.91% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $75K | — | $75K | 4.57% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON PUERTO RICO BROKERAGE | THE ATRIUM BUSINESS CENTER STE 310 530 CONSTITUCION AVE. SAN JUAN, PR 009012304 | TRIPLE-S SALUD, INC. | $44K | — | $44K | 2.96% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: INSURANCE TOGO WORLDWIDE | 6600 UNIVERSITY AVENUE WINDSOR HEIGHTS, IA 50324 | TRIPLE-S SALUD, INC. | $31K | — | $31K | 2.04% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $60K | $20K | $80K | 5.37% |
| 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 | — | $59K | $59K | 5.00% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $258 | — | $258 | 4.75% |
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 | 21,338 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE-S SALUD, INC. | 616 | $1.5M |
| Dental | TRIPLE-S SALUD, INC. | 616 | $1.5M |
| Vision(2 contracts) | EYEMED VISION CARE | 24,617 | $1.7M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 21,144 | $3.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7,734 | $1.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 20,245 | $20.4M |
| Prescription drug | TRIPLE-S SALUD, INC. | 616 | $1.5M |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 12,532 | $1.2M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 21,144 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,617 | — |
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.