| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 P.O.BOX 28852 NEW YORK, NY 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $78K | $6K | $84K | 10.77% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 P.O.BOX 28852 NEW YORK, NY 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $42K | $4K | $46K | 10.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US-BOSTON, MA | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO. | $18K | — | $18K | 10.34% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | RELIASTAR LIFE INSURANCE COMPANY | $26K | — | $26K | 22.86% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 6.36% |
| AGIS NETWORK INSURANCE SERVICE3 | STE 17100 1 BEACON ST BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 6.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 3390 UNIVERSITY AVE. SUITE 300 RIVERSIDE, CA 92501 | LEGALPLANS USA | — | $12K | $12K | 20.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 P.O.BOX 28852 NEW YORK, NY 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $514 | $6K | 11.01% |
| AGIS NETWORK INSURANCE SERVICE3 | STE 17100 1 BEACON ST BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 8.17% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 8.17% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 P.O. BOX 28852 NEW YORK, NY 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $874 | $317 | $1K | 14.99% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 P.O.BOX 28852 NEW YORK, NY 100878852 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $699 | $153 | $852 | 13.41% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 P.O. BOX 28852 NEW YORK, NY 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $131 | $38 | $169 | 14.23% |
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 | 1,461 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,503 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2 | $1K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO. | 2,820 | $169K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,557 | $782K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 21 | $6K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,557 | $420K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 2,952 | $1.1M |
| Other(9 contracts, 6 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,757 | $450K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,952 | — |
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.