| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | $184K | — | $184K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | — | $111K | $111K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | $67K | $12K | $79K | 9.74% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $2K | $687 | $3K | 2.45% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | SUN LIFE ASSURANCE COMPANY OF CANADA | $43 | $17 | $60 | 13.82% |
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 | 1,193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 95 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 41 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 1 | $8K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 2,051 | $152K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | 1,780 | $816K |
| Short-term disability(3 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | 1,780 | $923K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | 1,780 | $816K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | 1,339 | $1.8M |
| Other(4 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | 1,780 | $953K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,051 | — |
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.