| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | ENVISION INSURANCE COMPANY | $106K | — | $106K | 6.38% |
| WILLIS TOWERS WATSON US LLC4 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | ENVISION INSURANCE COMPANY | $52K | — | $52K | 3.13% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | UNITED AMERICAN INS. CO. | $177K | — | $177K | 11.76% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | UNITED AMERICAN INS. CO. | $88K | — | $88K | 5.88% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | AMERITAS INSURANCE | $63K | — | $63K | 9.13% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | AMERITAS INSURANCE | $32K | — | $32K | 4.65% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | AMERITAS INSURANCE | $17K | — | $17K | 2.49% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $43K | — | $43K | 9.25% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS TOWERS WATSON WEST INC | P.O. BOX 101162 STE 700 PASADENA, CA 91183 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 0.48% |
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 | 847 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 847 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AMERICAN INS. CO. | 776 | $1.5M |
| Dental | AMERITAS INSURANCE | 1,440 | $693K |
| Vision | AMERITAS INSURANCE | 1,440 | $693K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,011 | $469K |
| Prescription drug | ENVISION INSURANCE COMPANY | 773 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,440 | — |
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.