| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $889K | $296K | $1.2M | 5.24% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | — | $59K | $59K | 1.82% |
| 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 | — | $112K | $112K | 6.00% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $96K | — | $96K | 5.81% |
| 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. | $78K | — | $78K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $46K | $15K | $61K | 5.46% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $70 | — | $70 | 1.18% |
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 | 22,104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 78 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 397 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 22,579 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE-S SALUD, INC. | 311 | $1.6M |
| Dental | TRIPLE-S SALUD, INC. | 311 | $1.6M |
| Vision(2 contracts) | EYEMED VISION CARE | 25,793 | $1.7M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 21,749 | $3.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 8,095 | $1.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 21,201 | $22.6M |
| Prescription drug | TRIPLE-S SALUD, INC. | 311 | $1.6M |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 13,464 | $1.9M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 21,749 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25,793 | — |
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.