| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | P.O. BOX 13056 NEWARK, NJ 07188 | RELIASTAR LIFE INSURANCE COMPANY | $248K | — | $248K | 10.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC. | 233 S. WACKER DR., STE 1800 CHICAGO, IL 60606 | RELIASTAR LIFE INSURANCE COMPANY | $45K | — | $45K | 1.84% |
| EMPYREAN INSURANCE SERVICES, INC.3 | 9009 WEST LOOP S, STE 600 HOUSTON, TX 77096 | RELIASTAR LIFE INSURANCE COMPANY | $12K | $16K | $29K | 1.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 800 BOYLSTON STREET BOSTON, MA 02199 | EYEMED VIS. CARE ON BEHALF OF FIDELITY SEC. LIFE INS. CO. OF NEW YORK | $31K | — | $31K | 9.20% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES | P.O. BOX 2569 BELLAIRE, TX 77402 | EYEMED VIS. CARE ON BEHALF OF FIDELITY SEC. LIFE INS. CO. OF NEW YORK | — | $15K | $15K | 4.56% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION EXCHANGE | 199 SCOTT ST, 8TH FL. BUFFALO, NY 14204 | EYEMED VIS. CARE ON BEHALF OF FIDELITY SEC. LIFE INS. CO. OF NEW YORK | — | $37 | $37 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | P.O. BOX 4557 NEW YORK, NY 10249 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 6.91% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT STREET BUFFALO, NY 14204 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 6.87% |
| EMPYREAN INSURANCE SERVICES, INC.3 | 3010 BRIARPARK DR. HOUSTON, TX 77042 | AETNA LIFE INSURANCE CO. | $988 | — | $988 | 1.77% |
| EMPYREAN INSURANCE SERVICES, INC.3 | 2401 FOUNTAIN VIEW HOUSTON, TX 77057 | AETNA LIFE INSURANCE CO. | $503 | — | $503 | 0.90% |
| EMPYREAN INSURANCE SERVICES, INC.3 | 1425 UNION MEETING RD BLUE BELL, PA 19422 | AETNA LIFE INSURANCE CO. | -$503 | — | -$503 | -0.90% |
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 | 3,651 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,659 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $4K |
| Dental | AETNA LIFE INSURANCE CO. | 204 | $56K |
| Vision | EYEMED VIS. CARE ON BEHALF OF FIDELITY SEC. LIFE INS. CO. OF NEW YORK | 3,035 | $339K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 4,552 | $2.4M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 4,552 | $2.4M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 4,552 | $2.4M |
| Other(5 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,552 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,552 | — |
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.