| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST, 6TH FL. NEW YORK, NY 10281 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $68K | — | $68K | 5.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST, 6TH FL. NEW YORK, NY 10281 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $25K | — | $25K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | ONE WORLD FINANCIAL CTR 200 LIBERTY STREET, FL. 6 NEW YORK, NY 10281 | AETNA LIFE INSURANCE CO. | $6K | — | $6K | 4.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 1 WFC 200 LIBERTY STREET NEW YORK, NY 10281 | JOHN HANCOCK | $12K | — | $12K | 9.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY STREET NEW YORK, NY 10281 | GUIDEONE SPECIALTY MUTUAL INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| MMG AGENCY INC.3 | 1145 FOREST AVENUE STATEN ISLAND, NY 10310 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $4K | — | $4K | 30.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | ONE WORLD FINANCIAL CTR 200 LIBERTY STREET, FL. 6 NEW YORK, NY 10281 | AETNA LIFE INSURANCE CO. | $429 | — | $429 | 4.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | ONE WORLD FINANCIAL CTR 200 LIBERTY STREET, FL. 6 NEW YORK, NY 10281 | AETNA LIFE INSURANCE CO. | $272 | — | $272 | 4.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | ONE WORLD FINANCIAL CTR 200 LIBERTY STREET, FL. 6 NEW YORK, NY 10281 | AETNA LIFE INSURANCE CO. | $42 | — | $42 | 4.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | ONE WORLD FINANCIAL CTR 200 LIBERTY STREET, FL. 6 NEW YORK, NY 10281 | AETNA LIFE INSURANCE CO. | $13 | — | $13 | 1.70% |
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 | 1,644 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 187 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,836 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(5 contracts) | AETNA LIFE INSURANCE CO. | 765 | $152K |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 1,954 | $1.1M |
| Long-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 1,592 | $414K |
| Other(5 contracts, 5 carriers) | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 1,954 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,954 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.