| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY STREET NEW YORK, NY 10281 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $41K | $8K | $49K | 5.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 1 WFC 200 LIBERTY STREET NEW YORK, NY 10281 | JOHN HANCOCK | $14K | — | $14K | 9.48% |
| 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. | $7K | — | $7K | 4.94% |
| 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 | $4K | — | $4K | 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. | $389 | — | $389 | 5.13% |
| 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. | $291 | — | $291 | 4.97% |
| 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. | $98 | — | $98 | 5.67% |
| 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. | $46 | — | $46 | 4.98% |
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 | 1,694 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 443 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(5 contracts) | AETNA LIFE INSURANCE CO. | 792 | $152K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 1,694 | $816K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 1,694 | $816K |
| Other(5 contracts, 5 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 1,694 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,694 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.