| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | PO BOX 4557 NEW YORK, NY 10249 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $5K | $0 | $5K | 5.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | PO BOX 101162 PASADENA, CA 91189 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $0 | $1K | $1K | 1.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | WILLIS TOWERS WATSON NORTHEAST BOSTON, MA 02116 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.52% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE - BENEFITMALL | CENTERSTONE INSURANCE DALLAS, TX 75251 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $0 | $223 | $223 | 0.34% |
| LEONARD BRODSKY & ASSOCIATES3 Filed as: LEONARD BRODSKY ASSOCIATES | 48 WEST BRIDGE STREET NEW HOPE, PA 18938 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $106 | $0 | $106 | 0.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US LLC/NY | 200 LIBERTY ST NEW YORK, NY 10281 | CIGNA HEALTH AND LIFE INSURANCE AND AFFILIATES (CIGNA) | $0 | $2K | $2K | 2.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | PO BOX 4557 6TH FLOOR NEW YORK, NY 10249 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | PO BOX 101162 PASADENA, CA 91189 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $0 | $134 | $134 | 1.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | PO BOX 101162 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $70 | $70 | 3.13% |
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 | 265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE AND AFFILIATES (CIGNA) | 486 | $72K |
| Vision | VISION SERVICE PLAN | 263 | $33K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 336 | $65K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 375 | $12K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 293 | $86K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE AND AFFILIATES (CIGNA) | 486 | $59K |
| Other(3 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 293 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 486 | — |
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.