| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $1.0M | $143K | $1.2M | 2.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | METROPOLITAN LIFE INSURANCE COMPANY | $830K | $9K | $840K | 1.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $400K | $85K | $484K | 0.87% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | -$18 | $0 | -$18 | -0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $148K | $3K | $151K | 6.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | PO BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $86K | $15K | $102K | 4.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | 1 UPPER POND ROAD, BUILDING F PARSIPPANY, NJ 07054 | METLIFE LEGAL PLANS | $0 | $12K | $12K | 0.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WATSON WYATT AND COMPANY | 901 NORTH GLEBE ROAD ARLINGTON, VA 22203 | METLIFE LEGAL PLANS | $0 | $3K | $3K | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2480 NATOMAS PARK DRIVE, SUITE 200 SACRAMENTO, CA 95833 | METLIFE LEGAL PLANS | $0 | $169 | $169 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE EAST CLEVELAND, OH 44114 | METLIFE LEGAL PLANS | $0 | $23 | $23 | 0.00% |
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 | 58,322 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 64 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 58,386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 98,672 | $55.5M |
| Dental | DELTA DENTAL OF CALIFORNIA | 5,044 | $1.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 98,672 | $55.5M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 98,672 | $55.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 98,672 | $55.5M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 98,672 | $57.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 98,672 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.