| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIAD INSURANCE INC.3 | 12325 PORT GRACE BLVD LA VISTA, NE 681288204 | METROPOLITAN LIFE INSURANCE COMPANY | $72K | $0 | $72K | 4.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | ONE WORLD FINANCIAL CTR 6TH FL 200 LIBERTY ST NEW YORK, NY 10281 | FIRST UNUM LIFE INSURANCE COMPANY | $62K | $8K | $70K | 11.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | ONE WORLD FINANCIAL CTR 6TH FL 200 LIBERTY ST NEW YORK, NY 10281 | FIRST UNUM LIFE INSURANCE COMPANY | $49K | $6K | $55K | 11.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 800 BOYLSTON STREET SUITE 600 BOSTON, MA 52199 | EYEMED VISION CARE | $17K | $0 | $17K | 7.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 1 WORLD FINANCIAL CENTER 200 LIBERTY ST FL 6 NEW YORK, NY 102810001 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $1K | $42K | 27.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | PO BOX 4557 NEW YORK, NY 10249 | VISION SERVICE PLAN | $812 | $0 | $812 | 6.35% |
| JOHN A. SCOTTI3 Filed as: JOHN A SCOTTI | 100 STANWIX ST PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $563 | $0 | $563 | 10.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | PO BOX 101162 PASEDENA, CA 91189 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $0 | $50 | $50 | — |
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 | 2,091 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 62 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(3 contracts, 3 carriers) | EYEMED VISION CARE | 4,173 | $393K |
| Life insurance(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,124 | $1.9M |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,498 | $488K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,700 | $619K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,124 | $403K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,173 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.