| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC. | 3 COPLEY PLACE SUITE 300 BOSTON, MA 02116 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $100K | $52K | $152K | 1.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORPORATION OF MA | 3 COPLEY PL STE 300 BOSTON, MA 021166516 | AETNA LIFE INSURANCE COMPANY | $112K | $21K | $133K | 9.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC | 233 S WACKER DR STE CHICAGO, IL 60603 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 7.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTES INC. | PO BOX 416672 BOSTON, MA 02241 | EYEMED VISION CARE-COMBINED INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC. | 26 CENTURY BLVD FLOOR 4S NASHVILLE, TN 37214 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $312 | $4K | 14.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 LIBERTY STREET NEW YORK, NY 10281 | FEDERAL INSURANCE COMPANY | $0 | — | $0 | — |
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 | 963 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 980 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,946 | $9.6M |
| Vision | EYEMED VISION CARE-COMBINED INSURANCE COMPANY OF AMERICA | 1,374 | $53K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 1,720 | $1.4M |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,720 | $1.4M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,720 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,946 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.