| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY ST FL 6 NEW YORK, NY 10281 | UNITEDHEALTHCARE INSURANCE COMPANY | $113K | $0 | $113K | 1.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 PLAINVIEW, NY 118039001 | UNITEDHEALTHCARE INSURANCE COMPANY | $111K | $0 | $111K | 1.70% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $8K | $8K | 0.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | ONE WORLD FINANCIAL CENTER 6TH FL 200 LIBERTY ST NEW YORK, NY 10281 | FIRST UNUM LIFE INSURANCE COMPANY | $23K | $4K | $27K | 8.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 9101 PLAINVIEW, NY 118039001 | FIRST UNUM LIFE INSURANCE COMPANY | $19K | $7K | $25K | 7.81% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | PO BOX 9101 PLAINVIEW, NY 11803 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | ONE WORLD FINANCIAL CTR 200 LIBERTY ST, 6TH FLOOR NEW YORK, NY 10281 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | ONE WORLD FINANCIAL CENTER 6TH FL 200 LIBERTY ST NEW YORK, NY 10281 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $1K | $9K | 8.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 9101 PLAINVIEW, NY 118039001 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $2K | $8K | 8.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | PO BOX 4557 NEW YORK, NY 10249 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $249 | $2K | 8.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 PLAINVIEW, NY 118039001 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $208 | $2K | 7.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | PO BOX 4557 NEW YORK, NY 10249 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | $198 | $1K | 11.85% |
| MCCLELLAN, DAVID J3 Filed as: MCCLELLAN, DAVID | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $800 | $0 | $800 | 6.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 PLAINVIEW, NY 118039001 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $182 | $25 | $207 | 1.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER RISK MGMT SVCS | 30 CENTURY HILL STE 200 LATHAM, NY 12110 | FEDERAL INSURANCE COMPANY | $2K | $0 | $2K | 15.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 4557 NEW YORK, NY 10249 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $168 | $1K | 15.34% |
| MCCLELLAN, DAVID J3 Filed as: MCCLELLAN, DAVID | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 13.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 9101 PLAINVIEW, NY 118039001 | FIRST UNUM LIFE INSURANCE COMPANY | $20 | $7 | $27 | 0.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | ONE WORLD FINANCIAL CTR 200 LIBERTY ST, 6TH FL NEW YORK, NY 10281 | FIRST UNUM LIFE INSURANCE COMPANY | $67 | $0 | $67 | 10.03% |
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 | 891 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 963 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 670 | $6.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 670 | $6.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 670 | $6.5M |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 891 | $293K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 891 | $516K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 322 | $323K |
| Other(9 contracts, 5 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 923 | $413K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 923 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.