| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS PLANNING CORP.3 | ONE HUNTINGTON QUAD SUITE 1C09 MELVILLE, NY 11747 | AETNA LIFE INSURANCE COMPANY | $357K | $0 | $357K | 3.81% |
| JOHN G. DIPERSIA3 | 420 MOREHOUSE LANE SOUTHPORT, CT 06890 | AETNA LIFE INSURANCE COMPANY | $357K | $0 | $357K | 3.81% |
| AMERICAN BENEFITS & COMP SYSTEMS3 | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | HARTFORD LIFE INSURANCE COMPANY | $283K | $186K | $468K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | 335 MADISON AVENUE NEW YORK, NY 10017 | HARTFORD LIFE INSURANCE COMPANY | $0 | $49K | $49K | 0.52% |
| AMERICAN BENEFITS & COMP SYSTEMS3 | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $37K | $66K | $103K | 2.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | 335 MADISON AVENUE NEW YORK, NY 10017 | HARTFORD LIFE AND ACCIDENT | $0 | $650 | $650 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | 335 MADISON AVENUE NEW YORK, NY 10017 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | $111K | $0 | $111K | 4.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA INC. | 1500 MARKET STREET CENTER SQUARE EAST S-6110 PHILADELPHIA, PA 19178 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 0.40% |
| JOHN G. DIPERSIA3 | 420 MOREHOUSE LANE SOUTHPORT, CT 06890 | AETNA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 5.36% |
| BENEFITS PLANNING CORP.3 Filed as: BENEFITS PLANNING CORPORATION | ONE HUNTINGTON QUAD SUITE 1C09 MELVILLE, NY 11747 | AETNA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 5.36% |
| WILLIS TOWERS WATSON US LLC0 Filed as: TOWERS WATSON DELAWARE, INC. | 335 MADISON AVENUE NEW YORK, NY 10017 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $2K | $0 | $2K | 4.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA INC. | 1500 MARKET STREET CENTER SQUARE EAST S-6110 PHILADELPHIA, PA 19178 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $145 | $0 | $145 | 0.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | 335 MADISON AVENUE NEW YORK, NY 10017 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $28 | $0 | $28 | 0.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA, INC. | 1500 MARKET STREET CENTER SQUARE EAST S-6110 PHILADELPHIA, PA 19178 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $3 | $0 | $3 | 0.02% |
| BENEFITS PLANNING CORP.3 | 1 HUNTINGTON QUAD SUITE 1C09 MELVILLE, NY 11747 | AETNA LIFE INSURANCE COMPANY | $59 | $0 | $59 | 3.44% |
| JOHN G. DIPERSIA3 Filed as: JOHN G DIPERSIA | 420 MOREHOUSE LANE SOUTHPORT, CT 06890 | AETNA LIFE INSURANCE COMPANY | $59 | $0 | $59 | 3.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | 335 MADISON AVENUE NEW YORK, NY 10017 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $173 | $0 | $173 | 21.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA INC. | 1500 MARKET STREET CENTER SQUARE EAST S-6110 PHILADELPHIA, PA 19178 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $16 | $0 | $16 | 1.95% |
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 | 28,638 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 102 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 28,740 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts, 4 carriers) | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | 9,230 | $2.5M |
| Vision | HM LIFE INSURANCE COMPANY | 36,189 | $2.1M |
| Life insurance(3 contracts) | AETNA LIFE INSURANCE COMPANY | 28,638 | $9.5M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 35,630 | $4.6M |
| Long-term disability | HARTFORD LIFE INSURANCE COMPANY | 20,757 | $9.4M |
| Other(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 28,638 | $12.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 36,189 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.