| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | PO BOX 13056 NEWARK, NJ 07188 | RELIASTAR LIFE INSURANCE COMPANY | $225K | — | $225K | 11.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 S. WACKER DR., STE 2000 CHICAGO, IL 60606 | RELIASTAR LIFE INSURANCE COMPANY | $97K | — | $97K | 4.98% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT ST, FL. 8 BUFFALO, NY 14204 | RELIASTAR LIFE INSURANCE COMPANY | — | $25K | $25K | 1.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 1 WORLD FINANCIAL CENTER NEW YORK, NY 10281 | COMBINED INSURANCE COMPANY OF NEW YORK | $17K | — | $17K | 8.07% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION EXCHANGE | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | COMBINED INSURANCE COMPANY OF NEW YORK | — | $9K | $9K | 4.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | 1 WORLD FINANCIAL CTR NEW YORK, NY 10281 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 8.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | -$2K | — | -$2K | -3.24% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 737 MAIN STREET BUFFALO, NY 14203 | HYATT LEGAL PLANS | $2K | $3K | $5K | 22.11% |
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 | 2,608 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 84 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,725 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 338 | $62K |
| Dental | AETNA LIFE INSURANCE CO. | 338 | $57K |
| Vision | COMBINED INSURANCE COMPANY OF NEW YORK | 2,588 | $213K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 2,519 | $1.9M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 2,519 | $1.9M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 2,519 | $1.9M |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,608 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,608 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.