| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $204K | $204K | 2.30% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $124K | $124K | 1.62% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $50K | $50K | 2.25% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METROPOLITAN GENERAL INSURANCE COMPANY | $128K | $15K | $144K | 11.37% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 1.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PR BROKERAGE, INC. | THE ATRIUM BUSINESS CENTER 530 CONSTITUCION AVENUE SAN JUAN, PR 009012304 | TRIPLE S SALUD, INC. | $9K | — | $9K | 5.00% |
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 | 38,383 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,296 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2,155 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 41,834 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 3,045 | $26.1M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 492 | $5.1M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 39,360 | $8.9M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 30,508 | $8.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 30,508 | $7.7M |
| Prescription drug | TRIPLE S SALUD, INC. | 23 | $183K |
| Other(6 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 38,358 | $9.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 39,360 | — |
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.