| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS. SERVICES | PO BOX 4557 NEW YORK, NY 10249 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $18K | $2K | $20K | 35.96% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN BENEFIT SOLUTIONS | 3010 BRIARPARK DR STE 8000 HOUSTON, TX 77042 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $5K | — | $5K | 8.17% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 6901 ROCKLEDGE DR SUITE 500 BETHESDA, MD 20817 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | — | $2K | 3.99% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | — | $2K | 3.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS. SERVICES | PO BOX 4557 NEW YORK, NY 10249 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $19K | $821 | $20K | 55.82% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN BENEFIT SOLUTIONS INC. | 3010 BRIARPARK DR STE 800 HOUSTON, TX 77042 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $3K | — | $3K | 7.20% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | — | $2K | 5.15% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 6901 ROCKLEDGE DR SUITE 500 BETHESDA, MD 20817 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $1K | — | $1K | 3.04% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $163 | — | $163 | 7.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NE INC. | PO BOX 4557 NEW YORK, NY 10249 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $89 | $41 | $130 | 6.19% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN BENEFIT SOLUTIONS INC. | 3010 BRIARPARK DR STE 8000 HOUSTON, TX 77042 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $105 | $105 | 5.00% |
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 | 377 | 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) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 377 | $55K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 412 | $36K |
| Other(2 contracts) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 377 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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.