| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | DELTA DENTAL OF NEW JERSEY, INC. | $3K | — | $3K | 0.21% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEWYORK, NY 100878852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $67K | $67K | 5.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC, | ONE WORLD FINANCIAL CTR, 200 LIBERTY STREET NEWYORK, NY 10281 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $858 | $858 | 0.07% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEWYORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $20K | $16K | $36K | 2.90% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEWYORK, NY 100878852 | VISION SERVICE PLAN | $5K | — | $5K | 2.18% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$3K | -$3K | -1.22% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$2K | -$2K | -1.22% |
| WILLIS TOWERS WATSON US LLC3 | 75 ARLINGTON STREET FLOOR 10 BOSTON, MA 02116 | HARTFORD LIFE AND ACCIDENT | $25K | $2K | $26K | 15.93% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCK BOX NEW YORK, NY 100878852 | UNITED HEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 7.92% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEWYORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $6K | $229 | $6K | 5.75% |
| WILLIS TOWERS WATSON US LLC3 | LIBERTY ST., P.O. BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $156 | — | $156 | 1.69% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $776 | $75 | $851 | 10.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | EMPLOYEE BENEFITS PRACTICE 200 LIBERTY STREET NEW YORK, NY 10281 | HARTFORD LIFE AND ACCIDENT | $538 | $90 | $628 | 17.51% |
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 | 1,806 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 71 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,877 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,550 | $1.5M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 4,041 | $1.6M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,509 | $239K |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,537 | $1.7M |
| Short-term disability(3 contracts) | HARTFORD LIFE AND ACCIDENT | 2,537 | $1.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,537 | $1.2M |
| Other(5 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,565 | $395K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,041 | — |
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."
No prospect flags tripped on this filing.