| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | P.O. BOX 13784 NEWARK, NJ 07188 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $64K | $64K | 3.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | 12505 PARK POTOMAC AVE POTOMAC, MD 20854 | AETNA LIFE INSURANCE COMPANY | $74K | $12K | $86K | 11.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 13784 NEWARK, NJ 07188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $3K | $25K | 12.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC | 225 SCHILLING CIR., STE 150 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $16K | — | $16K | 7.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | PO BOX 13784 NEWARK, NJ 07188 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $1K | $1K | 0.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 13784 NEWARK, NJ 07188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $510 | $5K | 12.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC | 225 SCHILLING CIR, STE 150 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 7.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | 12505 PARK POTOMAC AVE POTOMAC, MD 20854 | AETNA LIFE INSURANCE COMPANY | $4K | $692 | $5K | 12.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | 225 SCHILLING CIRCLE HUNT VALLEY, MD 21031 | NATIONAL VISION ADMINISTRATORS, L.L.C. - FSL | $4K | — | $4K | 10.00% |
| LAMBERT, RIDDLE, SCHIMMEL AND CO.3 Filed as: LAMBERT, RIDDLE, SCHIMMEL & | COMPANY 3931 UNIVERSITY DRIVE FAIRFAX, VA 22030 | ACE AMERICAN INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 579 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 30 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 612 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 183 | $2.7M |
| Dental(4 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 276 | $1.0M |
| Vision(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 277 | $809K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 391 | $379K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 391 | $338K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 183 | $2.0M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 560 | $349K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 560 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.