| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | P335 MADISON AVE FL 20 NEW YORK, NY 10017 | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | — | $139K | $139K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | P.O. BOX 28852 NEW YORK, NY 10087 | THE HARTFORD | $0 | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 NEW YORK, NY 10087 | FIRST UNUM LIFE INSURANCE COMPANY | — | $6K | $6K | 1.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | 1500 MARKET STREET CENTRE SQUARE EAST PHILADELPHIA, PA 19102 | THE GUARDIAN LIFE INSURANCE COMPANY | $9K | — | $9K | 1.79% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | FIRST UNUM LIFE INSURANCE COMPANY | — | $4K | $4K | 1.13% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEWS YORK, NY 10087 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 1.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | 1500 MARKET STREET PHILADELPHIA, PA 19102 | EXCELLUS BLUE CROSS BLUE SHIELD | $2K | — | $2K | 4.50% |
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 | 3,673 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,673 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 2 | $38K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 2,938 | $498K |
| Life insurance | THE HARTFORD | 3,673 | $1.2M |
| Long-term disability(3 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 1,939 | $1.0M |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 2 | $38K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | 3,673 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,673 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.