| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 1 WORLD FINANCIAL CENTER 200 LIBERTY ST, FL. 6 NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $8K | $26K | 5.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | 1 WORLD FINANCIAL CENTER 200 LIBERTY STREET, 6TH FLOOR NEW YORK, NY 10281 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $7K | $1K | $8K | 4.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 1 WORLD FINANCIAL CENTER 200 LIBERTY STREET, 6TH FLOOR NEW YORK, NY 10281 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $5K | $1K | $6K | 5.09% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $4K | — | $4K | 6.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST, 6TH FLOOR NEW YORK, NY 10281 | TRANSAMERICA INSURANCE CO. | $2K | — | $2K | 3.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 1 WORLD FINANCIAL CENTER 200 LIBERTY ST, FL. 6 NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $5K | 7.76% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | HEARTLAND FIDELITY INSURANCE COMPANY | $4K | — | $4K | 10.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST, 6TH FLOOR NEW YORK, NY 10281 | HEARTLAND FIDELITY INSURANCE COMPANY | $1K | — | $1K | 3.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 1 WORLD FINANCIAL CENTER 200 LIBERTY STREET NEW YORK, NY 10281 | EYEMED | $3K | — | $3K | 6.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | 1 WORLD FINANCIAL CENTER 200 LIBERTY ST, 6TH FLOOR NEW YORK, NY 10281 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $458 | $101 | $559 | 9.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY STREET NEW YORK, NY 10281 | ACE AMERICAN INSURANCE COMPANY | $178 | — | $178 | 14.98% |
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 | 764 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 784 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA INSURANCE CO. | 23 | $61K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,027 | $442K |
| Vision | EYEMED | 1,406 | $38K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 681 | $59K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 28 | $6K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 789 | $122K |
| Prescription drug | HEARTLAND FIDELITY INSURANCE COMPANY | 46 | $41K |
| Other(5 contracts, 5 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,300 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,406 | — |
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.