| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 801 S. FIGUEROA STREET, SUITE 800 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $13K | $13K | 2.25% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BRKR INS. SVCS AGCY INC | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | ANTHEM LIFE INSURANCE COMPANY | — | $15K | $15K | 4.31% |
| DIRECTPATH, LLC3 | 120 18TH ST S, STE 102 BIRMINGHAM, AL 35233 | UNUM INSURANCE COMPANY | $16K | $1K | $17K | 11.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | ONE WORLD FINANCIAL CTR 200 LIBERTY ST, 6TH FL. NEW YORK, NY 10281 | UNUM INSURANCE COMPANY | $6K | $511 | $7K | 4.52% |
| DIRECTPATH, LLC3 | 120 18TH ST S, STE 102 BIRMINGHAM, AL 35233 | UNUM INSURANCE COMPANY | $7K | $558 | $7K | 9.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | ONE WORLD FINANCIAL CTR 200 LIBERTY ST, 6TH FL. NEW YORK, NY 10281 | UNUM INSURANCE COMPANY | $3K | $206 | $3K | 3.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | EMPLOYEE BENEFITS PRACTICE 200 LIBERTY STREET NEW YORK, NY 10281 | HARTFORD LIFE INSURANCE COMPANY | — | $465 | $465 | 1.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 200 LIBERTY STREET NEW YORK, NY 10281 | METLIFE LEGAL PLANS | $3K | $29 | $3K | 10.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY STREET NEW YORK, NY 10281 | METLIFE LEGAL PLANS | — | $348 | $348 | 1.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | P.O. BOX 416672 BOSTON, MA 02241 | METLIFE LEGAL PLANS | — | $92 | $92 | 0.36% |
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 | 2,830 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 48 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,887 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,814 | $1.0M |
| Long-term disability(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,814 | $1.0M |
| Other(7 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 2,830 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,830 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.