| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | RELIASTAR LIFE INSURANCE | $60K | — | $60K | 4.93% |
| WILLIS TOWERS WATSON US LLC3 | 335 MADISON AVENUE FLOOR 20 NEW YORK, NY 100174633 | RELIASTAR LIFE INSURANCE | — | $59K | $59K | 4.86% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $66K | — | $66K | 8.92% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 3.25% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | VISION SERVICE PLAN | $20K | — | $20K | 8.23% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 3.25% |
| WILLIS TOWERS WATSON US LLC3 | CENTRE SQUARE EAST 1500 MARKET STREET PHILADELPHIA, PA 19102 | GUARDIAN | $21K | $564 | $21K | 26.91% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $5K | $744 | $6K | 10.29% |
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 | 1,510 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,522 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 930 | $79K |
| Vision | VISION SERVICE PLAN | 1,977 | $247K |
| Life insurance | STANDARD INSURANCE COMPANY | 2,260 | $740K |
| Short-term disability | STANDARD INSURANCE COMPANY | 943 | $336K |
| Long-term disability | STANDARD INSURANCE COMPANY | 361 | $199K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE | 1,576 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,260 | — |
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.