| 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 | $77K | $7K | $84K | 10.91% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 P.O.BOX 28852 NEW YORK, NY 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $36K | $6K | $42K | 11.75% |
| 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. | $20K | — | $20K | 10.63% |
| STRATEGIC NON-MEDICAL SOLUTION3 | ONE BEACON ST STE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 7.50% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 7.50% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 7.50% |
| STRATEGIC NON-MEDICAL SOLUTION3 | STE 17100 ONE BEACON ST BOSTON, MA 02108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 7.50% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 P.O.BOX 28852 NEW YORK, NY 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $920 | $6K | 11.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 75 ARLINGTON STREET FLOOR 10 BOSTON, MA 02116 | LEGALPLANS USA | — | $5K | $5K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.50% |
| STRATEGIC NON-MEDICAL SOLUTION3 | ONE BEACON ST STE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.50% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 P.O.BOX 28852 NEW YORK, NY 100878852 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $373 | — | $373 | 10.99% |
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 | 1,626 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,636 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO. | 3,256 | $190K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,656 | $766K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 40 | $3K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,655 | $356K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,316 | $992K |
| Other(7 contracts, 6 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,089 | $395K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,316 | — |
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.