| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $1.8M | $548K | $2.3M | 6.38% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | — | $84K | $84K | 1.58% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $318K | — | $318K | 6.00% |
| WILLIS TOWERS WATSON US LLC4 | COMMISION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $104K | — | $104K | 5.84% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS TOWERS WATSON PUERTO RICO | THE ATRIUM BUSINESS CENTER STE 310 530 CONSTITUCION AVE. SAN JUAN, PR 009363628 | TRIPLE-S SALUD, INC. | $82K | — | $82K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $62K | $23K | $85K | 7.48% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | — | $18K | 3.95% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $458 | — | $458 | 5.81% |
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 | 21,916 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 117 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3,067 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 25,100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE-S SALUD, INC. | 325 | $1.6M |
| Dental(2 contracts, 2 carriers) | TRIPLE-S SALUD, INC. | 2,681 | $2.1M |
| Vision(2 contracts) | EYEMED VISION CARE | 27,012 | $1.8M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 21,661 | $5.3M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 8,472 | $3.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 22,760 | $36.3M |
| Prescription drug | TRIPLE-S SALUD, INC. | 325 | $1.6M |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 14,148 | $5.3M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 21,661 | $7.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,012 | — |
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.