| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | PO BOX 414965 BOSTON, MA 02241 | AETNA LIFE INSURANCE CO | $52K | — | $52K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | PO BOX 414965 BOSTON, MA 02241 | SUN LIFE AND HEALTH INSURANCE CO | $7K | — | $7K | 6.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | 2055 GATEWAY PL STE 450 SAN JOSE, CA 95110 | SUN LIFE AND HEALTH INSURANCE CO | — | $1K | $1K | 0.99% |
| WILLIS TOWERS WATSON US LLC Filed as: WILIS INSURANCE SERVICES OF CA INC | 18101 VON KARMAN AVE #600 IRVINE, CA 92612 | HEALTH NET | $6K | — | $6K | 9.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CT LLC | 10 STATE HOUSE SQ 11TH FL HARTFORD, CT 06103 | UNION SECURITY LIFE INSURANCE CO OF NY | $3K | — | $3K | 5.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | PO BOX 414965 BOSTON, MA 02241 | SUN LIFE AND HEALTH INSURANCE CO | $1K | — | $1K | 8.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | 2055 GATEWAY PL STE 450 SAN JOSE, CA 95110 | SUN LIFE AND HEALTH INSURANCE CO | — | $143 | $143 | 0.99% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF CONNECTICUT LLC | PO BOX 414965 BOSTON, MA 02241 | VISION SERVICE PLAN | $414 | — | $414 | 9.97% |
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 | 159 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 172 | $1.8M |
| Dental | UNION SECURITY LIFE INSURANCE CO OF NY | 74 | $57K |
| Vision | VISION SERVICE PLAN | 33 | $4K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE CO | 162 | $103K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE CO | 88 | $14K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE CO | 162 | $103K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 172 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.