| 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 | $23K | $0 | $23K | 3.38% |
| CHRISTOPHER KRISTIAN3 | 100 GRANDVIEW RD. SUITE 412 BRAINTREE, MA 021842690 | METROPOLITAN LIFE INSURANCE COMPANY | $106 | $0 | $106 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 200 LIBERTY STREET FLOOR 6, 1 WORLD FINANCIAL CENTER NEW YORK, NY 102810001 | METROPOLITAN LIFE INSURANCE COMPANY | $61K | $11K | $72K | 11.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | PO BOX 416672 BOSTON, MA 022416672 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $42 | $42 | 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 CENTER NEW YORK, NY 102810003 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | 100 HUNTING AVE. SUITE 300 BOSTON, MA 02116 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $301 | $29 | $330 | 8.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | 100 HUNTING AVE. SUITE 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 | 478 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 480 | $65K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 460 | $1.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 460 | $607K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 460 | $607K |
| Other(3 contracts, 2 carriers) | FEDERAL INSURANCE COMPANY | 478 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 480 | — |
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.