| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC5 Filed as: WILLIS TOWERS WATSON | PO BOX 28852 NEW YORK, NY 10087 | UNIMERICA INSURANCE COMPANY | $64K | — | $64K | 7.00% |
| WILLIS TOWERS WATSON US LLC5 Filed as: WILLIS TOWERS WATSON | PO BOX 28852 COMISSION LOCKBOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | $36K | — | $36K | 6.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $8K | — | $8K | 9.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $0 | $1K | $1K | 1.38% |
| USI INSURANCE SERVICES LLC5 Filed as: USI INSURANCE SERVICES | 855 BOYLSTON ST FL 8 BOSTON, MA 02116 | FEDERAL INSURANCE COMPANY | $2K | $194 | $2K | 16.73% |
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 | 3,397 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,363 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,760 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,102 | $352K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,275 | $1.5M |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 2,364 | $913K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,275 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,275 | — |
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.