| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | ANGELICA CARDONA 200 LIBERTY ST NEW YORK, NY 10281 | MEDICA INSURANCE COMPANY | $59K | — | $59K | 4.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | 350 MT KEMBLE AVE MORRISTOWN, NJ 07962 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | 350 MT KEMBLE AVE MORRISTOWN, NJ 07962 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 14.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NY INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY STREET, 6TH FLR NEW YORK, NY 10281 | HM LIFE INSURANCE COMPANY | $690 | — | $690 | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | 350 MT KEMBLE AVE MORRISTOWN, NJ 07962 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $357 | — | $357 | 12.00% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 248 | $1.4M |
| Vision | HM LIFE INSURANCE COMPANY | 59 | $7K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 118 | $26K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 118 | $17K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 118 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.