| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 801 S FIGUEROA STREET LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | $0 | $159K | $159K | 1.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 75 ARLINGTON STR FLOOR 10 BOSTON, MA 02116 | HARTFORD LIFE AND ACCIDENT | $0 | $14K | $14K | 1.15% |
| ALLIANT INSURANCE SERVICES, INC. Filed as: ALLIANT INSURANCE SERVICES INC | 101 PARK AVE 19 FLOOR NEW YORK, NY 10178 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH PA | $21K | $0 | $21K | 20.00% |
| ALLIANT INSURANCE SERVICES, INC. Filed as: ALLIANT INSURANCE SERVICES INC | 101 PARK AVE 19 FLOOR NEW YORK, NY 10178 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH PA | $7K | $0 | $7K | 20.00% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS TOWERS WATSON NORTHEAST | 200 LIBERTY STREET NEW YORK, NY 10281 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH PA | $0 | $0 | $0 | — |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS TOWERS WATSON NORTHEAST | 200 LIBERTY STREET NEW YORK, NY 10281 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH PA | $0 | $0 | $0 | — |
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 | 23,286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 117 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 23,403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,829 | $67K |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 21,601 | $11.8M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 21,601 | $11.8M |
| Other(6 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 21,500 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,601 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.