| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 200 LIBERTY ST, FL. 6 1 WORLD FINANCIAL CENTER NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | — | $24K | $24K | 1.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 300 AIRBORNE PARKWAY STE 208 BUFFALO, NY 14225 | HARTFORD LIFE AND ACCIDENT | $40K | — | $40K | 6.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST 7TH FLOOR NEW YORK, NY 10281 | HARTFORD LIFE AND ACCIDENT | $25K | — | $25K | 3.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | JP MORGAN CHASE NEW YORK, NY 102494557 | EYEMED VISION CARE ON BEHALF OF THE COMBINED INS. COMPANY OF AMERICA | $38K | — | $38K | 17.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 1 WORLD FINANCIAL CENTER 200 LIBERTY ST, FL. 6 NEW YORK, NY 10281 | EYEMED VISION CARE ON BEHALF OF THE COMBINED INS. COMPANY OF AMERICA | $37K | — | $37K | 17.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | 1 WORLD FINANCIAL CTR 200 LIBERTY ST, 6TH FLOOR NEW YORK, NY 10281 | AETNA LIFE INSURANCE COMPANY | $12K | — | $12K | 8.24% |
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 | 2,067 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,802 | $1.4M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE COMBINED INS. COMPANY OF AMERICA | 3,268 | $212K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,350 | $789K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,350 | $789K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,350 | $789K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,802 | — |
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.