| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST NEW YORK, NY 10281 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $213K | — | $213K | 3.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS W INC | 801 S. FIGUEROA STREET, SUITE 800 LOS ANGELES, CA 90017 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $5K | $5K | 0.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | ONE WORLD FINANCIAL CTR 200 LIBERTY ST NEW YORK, NY 10281 | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | $27K | — | $27K | 5.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS W INC | 801 S. FIGUEROA STREET, STE 800 LOS ANGELES, CA 90017 | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | — | $7K | $7K | 1.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST NEW YORK, NY 10281 | UNICARE LIFE AND HEALTH INSURANCE COMPANY | $27K | — | $27K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS W INC | 801 S. FIGUEROA STREET, STE 800 LOS ANGELES, CA 90017 | UNICARE LIFE AND HEALTH INSURANCE COMPANY | — | $7K | $7K | 2.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | ONE WORLD FINANCIAL CTR 200 LIBERTY ST, 6TH FL. NEW YORK, NY 10281 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | ONE WORLD FINANCIAL CTR 200 LIBERTY ST, 6TH FL. NEW YORK, NY 10281 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $582 | $229 | $811 | 6.98% |
| 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 | $1K | — | $1K | 10.01% |
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 | 1,096 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 54 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,284 | $5.5M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,284 | $5.5M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,284 | $5.5M |
| Life insurance | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 1,084 | $448K |
| Short-term disability(2 contracts, 2 carriers) | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 1,084 | $713K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 1,084 | $713K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,284 | $5.5M |
| Other(5 contracts, 4 carriers) | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 1,096 | $484K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,284 | — |
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.