| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSLYVANIA INC | PO BOX 8500 LOCK BOX 9102 PHILADELPHIA, PA 191788500 | AETNA, INC | $82K | — | $82K | 21.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELEWARE INC | 355 MADISON AVE NEW YORK, NM 100174633 | RELIASTAR LIFE INSURANCE COMPANY | — | $11K | $11K | 4.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA INC | PO BOX 8500 LOCK BOX 9102 PHILADELPHIA, PA 191788500 | RELIASTAR LIFE INSURANCE COMPANY | — | $2K | $2K | 0.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE EIN 36-2739571 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $1.1M |
| AETNA INC EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $69K |
| CAREMARK LLC EIN 95-3382344 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $10K |
| TOWERS WATSON BROKER | Other commissions Service code 55 | PO BOX 8500 LOCK BOX S-6110 PHILADELPHIA, PA 191788500 | $0 |
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 | 1,165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 515 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,680 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,266 | $154K |
| Life insurance | AETNA, INC | 2,104 | $382K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 1,266 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,104 | — |
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.