| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSCHUSETTS, INC. | THREE COPLEY PLACE SUITE 300 BOSTON, MA 02116 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | — | $24K | 3.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS | PO BOX 13743 NEWARK, NJ 07188 | RELIASTAR LIFE INSURANCE COMPANY | $24K | — | $24K | 8.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC. | 100 HUNTING AVE STE 300 BOSTON, MA 02116 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 9.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | PO BOX 415161 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.42% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 133 FEDERAL ST BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $177 | $22 | $199 | 0.58% |
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 | 858 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 858 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 702 | $638K |
| Vision | VISION SERVICE PLAN | 743 | $65K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 858 | $294K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 571 | $114K |
| Other(3 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 858 | $329K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 858 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.