| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | PRESCRIPTION DRUG PLAN | $97K | — | $97K | 6.36% |
| WILLIS TOWERS WATSON US LLC4 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | PRESCRIPTION DRUG PLAN | $48K | — | $48K | 3.12% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $151K | — | $151K | 11.73% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | TRANSAMERICA INSURANCE CO. | $75K | — | $75K | 5.85% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | AMERITAS INSURANCE | $61K | — | $61K | 9.12% |
| MANAGING AGENCY GROUP4 | ONE ENTERPRISE DRIVE SUITE 2 SHELTON, CT 06484 | AMERITAS INSURANCE | $31K | — | $31K | 4.65% |
| WILLIS TOWERS WATSON US LLC4 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | AMERITAS INSURANCE | $17K | — | $17K | 2.51% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $42K | $3K | $45K | 10.42% |
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 | 804 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 811 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA INSURANCE CO. | 717 | $1.3M |
| Dental | AMERITAS INSURANCE | 1,394 | $672K |
| Vision | AMERITAS INSURANCE | 1,394 | $672K |
| Life insurance | STANDARD INSURANCE COMPANY | 922 | $434K |
| Prescription drug | PRESCRIPTION DRUG PLAN | 712 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,394 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.