| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 75 ARLINGTON STREET, FLOOR 10 BOSTON, MA 02116 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 3.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 101162 PASADENA, CA 91189 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $10K | $10K | 1.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 75 ARLINGTON STREET FLOOR 10 BOSTON, MA 01226 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $8K | — | $8K | 6.95% |
| CHRISTOPHER M. ALLEN3 Filed as: CHRISTOPHER M ALLEN | 20 PARK PLAZA STE 1012 BOSTON, MA 02116 | UNUM INSURANCE COMPANY | $3K | $348 | $4K | 8.25% |
| BYRAN E LAMBERT JR3 | 20 PARK PLAZA STE 1012 BOSTON, MA 02116 | UNUM INSURANCE COMPANY | $3K | — | $3K | 7.50% |
| BRYAN LAMBERT3 Filed as: BRYAN E LAMBERT JR | 20 PARK PLAZA STE 1012 BOSTON, MA 02116 | UNUM INSURANCE COMPANY | $4K | — | $4K | 11.79% |
| CHRISTOPHER M. ALLEN3 Filed as: CHRISTOPHER M ALLEN | 20 PARK PLAZA STE 1012 BOSTON, MA 02116 | UNUM INSURANCE COMPANY | $3K | $301 | $3K | 10.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | PO BOX 416672 BOSTON, MA 02241 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $2K | — | $2K | 9.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY STREET NEW YORK, NY 10281 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $423 | $423 | 1.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | BROOKFIELD PLACE 200 LIBERTY STREET NEW YORK, NY 10281 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 25.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | P.O. BOX 416672 BOSTON, MA 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | $743 | $119 | $862 | 11.60% |
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 | 948 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 966 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,544 | $110K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,187 | $594K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,187 | $594K |
| Other(7 contracts, 6 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,187 | $707K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,544 | — |
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.