| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $111K | $55K | $166K | 6.81% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $141K | — | $141K | 11.70% |
| WILLIS TOWERS WATSON US LLC3 | 800 N. GLEBE ROAD ARLINGTON, VA 22203 | TRANSAMERICA INSURANCE CO. | $71K | — | $71K | 5.86% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | ELIXER | $26K | — | $26K | 3.02% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | ELIXER | $24K | — | $24K | 2.78% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | AMERITAS INSURANCE | $49K | — | $49K | 9.02% |
| AMWINS5 Filed as: AMWINS CONNECT ADMINISTRATORS | ONE ENTERPRISE DRIVE SHELTON, CT 06484 | AMERITAS INSURANCE | $25K | — | $25K | 4.65% |
| WILLIS TOWERS WATSON US LLC3 | 800 N. GLEBE ROAD LOCKBOX 28852 ARLINGTON, VA 22203 | AMERITAS INSURANCE | $14K | — | $14K | 2.61% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | COMPANION LIFE INSURANCE COMPANY - COLUMBIA | $52K | — | $52K | 11.60% |
| WILLIS TOWERS WATSON US LLC3 | 800 N. GLEBE ROAD ARLINGTON, VA 22203 | COMPANION LIFE INSURANCE COMPANY - COLUMBIA | $14K | — | $14K | 3.17% |
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 | 92 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 880 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 972 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA INSURANCE CO. | 590 | $1.2M |
| Dental | AMERITAS INSURANCE | 1,153 | $542K |
| Vision | AMERITAS INSURANCE | 1,153 | $542K |
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,815 | $2.4M |
| Prescription drug(2 contracts, 2 carriers) | ELIXER | 581 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,815 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.