| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORPORATION OF MASS | 3 COPLEY PL STE 300 BOSTON, MA 02116 | AETNA LIFE INSURANCE COMPANY | $408 | — | $408 | 4.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE CO EIN 06-6033492 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $196K |
| WILLIS OF MASSACHUSETTS EIN 04-2792279 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $48K |
| INNOVATIVE SOFTWARE SOLUTIONS EIN 23-2182079 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $42K |
| WEBSTER FINANCIAL ADVISORS EIN 06-0273620 NONE | Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $39K |
| MANZI & ASSOCIATES LLC EIN 04-3508036 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $20K |
| MASSUCCI & ASSOCIATES EIN 06-1462567 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $16K |
| ERMER LAW GROUP PLLC EIN 52-1280361 NONE | Legal; Direct payment from the plan Service code 29 | — | $8K |
| AETNA BEHAVIORAL HEALTH LLC EIN 20-0446713 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $6K |
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 | 317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 66 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AETNA LIFE INSURANCE COMPANY | 171 | $10K |
| Other | AETNA LIFE INSURANCE COMPANY | 171 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.