| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | BANK OF AMERICA P.O. BOX 416315 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $47K | — | $47K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | BANK OF AMERICA P.O. BOX 416315 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | — | $28K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | P.O. BOX 416315 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $28 | $24K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | P.O. BOX 416315 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12K | $12K | 2.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | P.O. BOX 416315 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $51K | $28 | $51K | 19.95% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST, FL. 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 2.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | P.O. BOX 416315 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 2.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | P.O. BOX 416315 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $28 | $39K | 19.90% |
| LIAZON BENEFITS INC5 Filed as: LIAZON BENEFITS INC. | 199 SCOTT ST, FL. 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 2.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | P.O. BOX 416315 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 1.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | P.O. BOX 416315 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $28 | $23K | 19.71% |
| LIAZON BENEFITS INC5 Filed as: LIAZON BENEFITS INC. | 199 SCOTT ST, FL. 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | P.O. BOX 416315 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.97% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 737 MAIN STREET BUFFALO, NY 14203 | METLIFE LEGAL PLANS | — | $7K | $7K | 17.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 200 LIBERTY STREET NEW YORK, NY 10281 | ACE AMERICAN INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| BENEFITS EXPRESS SERVICES LLC3 Filed as: BENEFITS EXPRESS | 1700 E. GOLF ROAD SCHAUMBURG, IL 60173 | METLIFE LEGAL PLANS | — | $3K | $3K | 21.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | P.O. BOX 416315 BOSTON, MA 02241 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 200 LIBERTY ST, FL. 6 NEW YORK NEW YORK, NY 10281 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $373 | $373 | 2.59% |
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 | 4,174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 3 | $14K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 5,277 | $611K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,483 | $1.2M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,483 | $689K |
| Other(8 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,277 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,277 | — |
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.