| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 800 BOYLSTON STREET, STE 600 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $75K | — | $75K | 3.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | 500 N AKARD STREET SUITE 4300 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $60K | $60K | 3.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 100 BANK ST STE 500 BURLINGTON, VT 05401 | KAISER FOUNDATION HEALTH PLAN INC | $29K | — | $29K | 2.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 416672 BOSTON, MA 02241 | VISION SERVICE PLAN | $6K | — | $6K | 1.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | PO BOX 416672 BOSTON, MA 02241 | VISION SERVICE PLAN | $18 | — | $18 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 100 BANK ST STE 500 BURLINGTON, VT 05401 | KAISER FOUNDATION HEALTH PLAN INC | $9K | — | $9K | 2.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | PO BOX 416672 BOSTON, MA 02241 | METLIFE LEGAL PLANS | $27K | — | $27K | 9.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY STREET NEW YORK, NY 10281 | METLIFE LEGAL PLANS | — | $4K | $4K | 1.49% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB, ROGAL & HOBBS, LLC | 100 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10017 | METLIFE LEGAL PLANS | — | $28 | $28 | 0.01% |
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 | 3,424 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 82 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 55 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,561 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 151 | $1.3M |
| Vision | VISION SERVICE PLAN | 2,568 | $463K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,445 | $1.9M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,445 | $1.9M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 151 | $1.3M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,445 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,445 | — |
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.