| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON PENNSYLVANIA INC. | PO BOX 8500 LOCKBOX #9102 PHILADELPHIA, PA 19178 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $13K | $18K | $31K | 2.82% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON PENNSYLVANIA INC. | PO BOX 8500 LOCKBOX #9102 PHILADELPHIA, PA 19178 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $5K | $6K | $11K | 3.15% |
| EM-POWER SERVICES, INC.3 Filed as: EM-POWER SERVICES INC. | PO BOX 591 OXFORD, MA 01540 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 10.83% |
| MAY, BONEE & WALSH3 Filed as: MAY BONEE & CO INC | 180 GLASTONBURY BLVDSTE 401 4TH FLOOR GLASTONBURY, CT 06033 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.07% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON PENNSYLVANIA INC. | PO BOX 8500 LOCKBOX #9102 PHILADELPHIA, PA 19178 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $926 | $926 | 1.61% |
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 | 2,228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 45 | $369K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 1,357 | $630K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,258 | $1.1M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 112 | $57K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,209 | $341K |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,258 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,258 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.