| 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 | 0.22% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEWYORK, NY 100878852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | — | $60K | $60K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEWYORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $18K | $17K | $35K | 3.22% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEWYORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $4K | $266 | $4K | 1.70% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $5K | — | $5K | 2.08% |
| WILLIS TOWERS WATSON US LLC3 | P O BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 2.43% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $50K | $2K | $52K | 32.34% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY LLC | 100 PEARL STREET 3RD FLOOR HARTFORD, CT 06103 | HARTFORD LIFE AND ACCIDENT | -$26K | — | -$26K | -16.34% |
| WILLIS TOWERS WATSON US LLC3 | LIBERTY ST. P.O. BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $176 | — | $176 | 1.85% |
| WILLIS TOWERS WATSON US LLC3 | MADISON AVE. LOCKBOX 28852 P O BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $74 | — | $74 | 0.78% |
| WILLIS TOWERS WATSON US LLC3 | 800 N GLEBE RD 10TH FLOOR ARLINGTON, VA 22203 | HARTFORD LIFE AND ACCIDENT | $456 | $91 | $547 | 17.98% |
| WILLIS TOWERS WATSON US LLC3 | P O BOX 28852 NEW YORK, NY 100878852 | METROPOLIT AN LIFE INSURANCE COMPANY | — | $5K | $5K | — |
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 | 501 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 501 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 67 | $1.3M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 3,906 | $1.5M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,354 | $226K |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 4,825 | $1.2M |
| Short-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 4,825 | $1.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,825 | $1.1M |
| Other(5 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,825 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,825 | — |
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.