| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 8500 P.O. BOX 1902 PHILADELPHIA, PA 19178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $630K | — | $630K | 7.54% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 0.10% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC | LOCKBOX 9102 P.O. BOX 8500 PHILADELPHIA, PA 191788500 | AETNA LIFE INSURANCE CO. | $81K | $89K | $170K | 4.22% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 9102 P.O BOX 8500 PHILADELPHIA, PA 19178 | VISION SERVICE PLAN | $133K | — | $133K | 5.04% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 9102 P.O. BOX 8500 PHILADELPHIA, PA 191788500 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $10K | — | $10K | 3.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SOLUTIONS LLC | P O BOX 406 PORTLAND, ME 041120406 | ANTHEM HEALTH PLANS, INC. | $818 | — | $818 | 2.75% |
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 | 26,962 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,484 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 686 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 29,132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 127 | $2.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 127 | $2.1M |
| Vision | VISION SERVICE PLAN | 14,234 | $2.6M |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 23,363 | $10.5M |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 21,330 | $6.2M |
| Prescription drug(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 51 | $440K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 25,712 | $10.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25,712 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.