| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIAD INSURANCE INC.3 | 4400 BISCAYNE BLVD. SUITE 1111 MIAMI, FL 331373212 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $0 | $21K | 3.30% |
| CHRISTOPHER KRISTIAN3 | 100 GRANDVIEW RD. SUITE 412 BRAINTREE, MA 021842690 | METROPOLITAN LIFE INSURANCE COMPANY | $210 | $0 | $210 | 0.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 200 LIBERTY ST FL 6 1 WORLD FINANCIAL CENTER NEW YORK, NY 102810001 | METROPOLITAN LIFE INSURANCE COMPANY | $57K | $10K | $67K | 11.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC | PO BOX 416672 BOSTON, MA 022416672 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $31 | $31 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 200 LIBERTY STREET NEW YORK, NY 10281 | FEDERAL INSURANCE COMPANY | $10K | $0 | $10K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC | 1 WORLD FINANCIAL CTR FL 6 NEW YORK, NY 102810001 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS | 100 HUNTINGTON AVE, STE 300 BOSTON, MA 02116 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $352 | $35 | $387 | 8.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS | 100 HUNTINGTON AVE STE 300 BOSTON, MA 02116 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $220 | $11 | $231 | 15.76% |
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 | 482 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 496 | $57K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 477 | $1.2M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 477 | $600K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 477 | $600K |
| Other(3 contracts, 3 carriers) | FEDERAL INSURANCE COMPANY | 482 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 496 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.