| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 9102 P.O. BOX 8500 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $86K | $89K | 1.68% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLSTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | — | $117 | $117 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 1801 K ST NW, 200 WASHINGTON, DC 200061301 | AETNA LIFE INSURANCE COMPANY | $12K | $7K | $20K | 8.25% |
| LOCKTON COMPANIES, LLC3 | 725 S. FIGUEROA ST. 35TH FLOOR LOS ANGELES, CA 90017 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $5K | — | $5K | 7.58% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 199 WATER STREET NEW YORK, NY 10038 | ACE AMERICAN INSURANCE COMPANY | $4K | — | $4K | 30.00% |
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 | 5,714 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 60 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 190 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,964 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES | 562 | $5.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,833 | $5.5M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 3,002 | $738K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,833 | $5.4M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,833 | $5.4M |
| Prescription drug(7 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES | 562 | $5.2M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,833 | $5.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,833 | — |
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.