| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC | 6300 BRIDGPOINT PKWY BLDG 3, SUITE 500 AUSTIN, TX 78730 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $22K | $12K | $34K | 5.07% |
| 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. | $7K | — | $7K | 7.01% |
| ALLEN, CHRISTOPHER M3 | 277 DARTMOUTH ST 4TH FLOOR BOSTON, MA 02116 | UNUM INSURANCE COMPANY | $4K | $439 | $5K | 8.25% |
| LAMBERT, BRYAN, E3 Filed as: LAMBERT JR, BYRAN E | 20 PARK PLAZA STE 1012 BOSTON, MA 02116 | UNUM INSURANCE COMPANY | $4K | — | $4K | 7.50% |
| ALLEN, CHRISTOPHER M3 | 277 DARTMOUTH ST 4TH FLOOR BOSTON, MA 02116 | UNUM INSURANCE COMPANY | $3K | $440 | $4K | 8.93% |
| LAMBERT, BRYAN, E3 Filed as: LAMBERT JR, BRYAN E | 20 PARK PLAZA STE 1012 BOSTON, MA 02116 | UNUM INSURANCE COMPANY | $3K | — | $3K | 7.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | PO BOX 416672 BOSTON, MA 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | $444 | $4K | 11.27% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB, ROGAL, & HOBBS, LLC | 100 PARK AVENUE 14TH FLOOR NEW YORK, NC 10017 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $185 | $185 | 0.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | PO BOX 416672 NEW YORK, NY 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $63 | $63 | 0.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET NEW YORK, NY 10281 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 25.00% |
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 | 948 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 989 | 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. | 1,552 | $105K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,122 | $663K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,122 | $663K |
| Other(6 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,122 | $839K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,552 | — |
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.