| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | HM INSURANCE GROUP | $301K | — | $301K | 9.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE COMPANY | $63K | $25K | $88K | 6.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA HEALTH EIN 23-2442048 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $5.3M |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $58K |
| FIDELITY TRUST INVESTMENT MANAGER EIN 04-3532603 INVESTMENT MANAGER | Investment advisory (plan); Trustee (bank, trust company, or similar financial institution); Investment management fees paid directly by plan; Direct payment from the plan Service code 21 | — | $53K |
| BDO USA LLP EIN 13-5381590 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $31K |
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 | 7,032 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 322 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 59 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | HM INSURANCE GROUP | 7,354 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,354 | — |
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.