| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | PO BOX 32090 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $666K | — | $666K | 9.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PA | PO BOX 32090 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $971K | — | $971K | 22.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS, INC. | 920 MEMORIAL CITY WAY STE 500 HOUSTON, TX 77024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $58 | — | $58 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 100 MATSONFORD ROAD, BLDG 5 STE 200 RADNOR, PA 19087 | AETNA LIFE INSURANCE CO. | $231K | — | $231K | 9.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | PO BOX 32090 NEW YORK, NY 10087 | HYATT LEGAL PLANS | $147K | $15K | $162K | 11.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 444 LIBERTY AVENUE SUITE 505 PITTSBURGH, PA 15222 | HYATT LEGAL PLANS | — | $4K | $4K | 0.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC | FIVE RADNOR CORPORATE CENTER SUITE 200 RADNOR, PA 19087 | HYATT LEGAL PLANS | — | $4K | $4K | 0.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | PO BOX 32090 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $55K | — | $55K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST 7TF FL NEW YORK, NY 10281 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 25.00% |
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 | 46,828 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 504 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 47,347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA INTERNATIONAL | 40 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 92,890 | $25.2M |
| Vision | AETNA LIFE INSURANCE CO. | 35,085 | $5.7M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 46,828 | $6.7M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 43,453 | $3.7M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 43,453 | $3.5M |
| Other(7 contracts, 7 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 52,008 | $8.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 92,890 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.