| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | $61K | $61K | $121K | 12.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $24K | — | $24K | 6.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET 7TH FI NEW YORK, NY 102811003 | NATIONAL UNION FIRE INSURANCE CO. | $4K | — | $4K | 20.00% |
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 | 3,685 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 208 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,893 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,711 | $363K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 3,937 | $1.2M |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 2,957 | $735K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 3,937 | $888K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | 2,993 | $1.0M |
| Other(7 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | 3,937 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,937 | — |
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."
No prospect flags tripped on this filing.