| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | PO BOX 414965 BOSTON, MA 02241 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $20K | — | $20K | 2.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT, LLC | PO BOX 414965 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 5.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | 10 STATE HOUSE SQ, FL 11 HARTFORD, CT 06103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $656 | $4K | 14.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT | PO BOX 414965 BOSTON, MA 02241 | EYEMED | $456 | — | $456 | 8.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | 185 ASYLUM STREET, 25TH FLOOR HARTFORD, CT 06103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $871 | $123 | $994 | 19.31% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 100 | $775K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 158 | $87K |
| Vision | EYEMED | 75 | $5K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $30K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.