| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 1 WORLD FINANCIAL CTR 200 LIBERTY ST, 6TH FL. NEW YORK, NY 10281 | AETNA LIFE INSURANCE CO. | $500K | $55K | $555K | 2.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 1 WORLD FINANCIAL CENTER 200 LIBERTY ST, FL.6 NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $20K | $31K | 2.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | ONE WORLD FINANCIAL CTR 6TH FL., 200 LIBERTY ST NEW YORK, NY 10281 | FIRST UNUM LIFE INSURANCE COMPANY | $13K | $9K | $23K | 3.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | 1 WORLD FINANCIAL CTR NEW YORK, NY 10281 | AETNA INTERNATIONAL | $23K | $4K | $26K | 7.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | ONE WORLD FINANCIAL CTR 6TH FL., 200 LIBERTY ST NEW YORK, NY 10281 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $980 | $5K | 6.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | 1 WORLD FINANCIAL CTR NEW YORK, NY 10281 | AETNA LIFE INSURANCE COMPANY | $3K | $238 | $3K | 5.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 200 LIBERTY STREET NEW YORK, NY 10281 | FEDERAL INSURANCE COMPANY | $4K | — | $4K | 25.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | 1 WORLD FINANCIAL CTR NEW YORK, NY 10281 | AETNA LIFE INSURANCE COMPANY | $541 | $100 | $641 | 5.83% |
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 | 1,299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 2,326 | $19.0M |
| Dental(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,084 | $1.9M |
| Vision(4 contracts, 3 carriers) | AETNA INTERNATIONAL | 861 | $560K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 1,246 | $738K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 1,246 | $816K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,246 | $738K |
| Other(3 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,299 | $770K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,326 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.