| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC. | PO BOX 1969 MORRISTOWN, NJ 07962 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $53K | $12K | $65K | 2.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC. | PO BOX 1969 MORRISTOWN, NJ 07962 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $8K | — | $8K | 2.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | 150 JOHN F. KENNEDY PKWY SUITE 520 SHORT HILLS, NJ 07078 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $11K | $2K | $13K | 10.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | 10000 MIDLANTIC DRIVE SUITE 200 EAST MOUNT LAUREL, NJ 08054 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $4K | 13.38% |
| CERTIFIED FINANCIAL SERVICES3 | 52 FOREST AVENUE PARAMUS, NJ 07652 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27 | — | $27 | 0.10% |
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 | 412 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 459 | $2.7M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 535 | $265K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $26K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 429 | $133K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 429 | $133K |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 429 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 535 | — |
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.