| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 LIBERTY STREET, 6TH FL. NEW YORK, NY 10281 | EMBLEMHEALTH | $48K | — | $48K | 4.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 LIBERTY STREET, 6TH FL. NEW YORK, NY 10281 | EMBLEMHEALTH | $20K | — | $20K | 5.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILIS OF NEW YORK INC. | 1 WORLD FINANCIAL CENTER NEW YORK, NY 102811003 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $4K | $16K | 6.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | 350 MOUNT KEMBLE AVENUE MORRISTOWN, NJ 07960 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $8K | — | $8K | 9.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 225 BROADHOLLOW RD, STE 300 MELVILLE, NY 117474899 | VISION SERVICE PLAN | $1K | — | $1K | 5.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 LIBERTY STREET, 6TH FL. NEW YORK, NY 10281 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $38 | — | $38 | 15.02% |
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 | 593 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 596 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EMBLEMHEALTH | 177 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 816 | $238K |
| Vision | VISION SERVICE PLAN | 250 | $22K |
| Life insurance | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 593 | $84K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 2 | $253 |
| Other | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 593 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 816 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.