| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE | $333K | $398K | $730K | 1.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | P.O. BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE & ACCIDENT | $91K | $0 | $91K | 0.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE EIN 36-2739571 CONTRACT ADMINISTRATION | Contract Administrator Service code 13 | 425 MARKET STREET SAN FRANCISCO, CA 94105 | $41.4M |
| METLIFE EIN 13-5581829 CONTRACT ADMINISTRATION | Contract Administrator Service code 13 | 501 U.S. HIGHWAY 22 BRIDGEWATER, NJ 08807 | $1.7M |
| VISION SERVICE PLAN EIN 94-1632821 CONTRACT ADMINISTRATION | Contract Administrator Service code 13 | P.O. BOX 495918 CINCINNATI, OH 45249 | $801K |
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 | 54,228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,656 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 55,888 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METLIFE | 54,228 | $68.7M |
| Short-term disability(2 contracts) | HARTFORD LIFE & ACCIDENT | 54,228 | $33.2M |
| Long-term disability | HARTFORD LIFE & ACCIDENT | 54,228 | $33.2M |
| Stop-loss / reinsurancereinsurance | VOYA | 49,062 | $14.2M |
| Other(2 contracts, 2 carriers) | METLIFE | 54,228 | $68.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 54,228 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.