| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 100 MATSONFORD ROAD BLDG 5, STE 200 RADNOR, PA 19087 | DELTA DENTAL OF NJ, INC. | $5K | — | $5K | 4.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC. | 5 RADNOR CORPORATE CENTER, STE 200 100 MATSONFORD RD RADNOR, PA 19087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $381 | $6K | 16.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC. | 5 RADNOR CORPORATE CENTER, STE 200 100 MATSONFORD ROAD RADNOR, PA 19087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $350 | $6K | 15.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC. | 5 RADNOR CORPORATE CENTER, STE 200 100 MATSONFORD RD RADNOR, PA 19087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $213 | $4K | 15.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC. | 5 RADNOR CORPORATE CENTER, STE 200 100 MATSONFORD ROAD RADNOR, PA 19087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $182 | $3K | 16.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | PO BOX 32090 NEW YORK, NY 10087 | VISION SERVICE PLAN | $957 | — | $957 | 6.03% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ, INC. | 118 | $123K |
| Vision | VISION SERVICE PLAN | 118 | $16K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 140 | $54K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 132 | $26K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 140 | $37K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 140 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.