| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | EMPLOYEE BENEFITS PRACTICE 200 LIBERTY STREET NEW YORK, NY 10281 | HARTFORD LIFE INSURANCE COMPANY | — | $465 | $465 | 1.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY STREET NEW YORK, NY 10281 | METLIFE LEGAL PLANS OF FLORIDA | $2K | — | $2K | 12.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY STREET NEW YORK, NY 10281 | METLIFE LEGAL PLANS OF FLORIDA | — | $291 | $291 | 1.50% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB, ROGAL AND HOBBS, LLC | 100 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10017 | METLIFE LEGAL PLANS OF FLORIDA | — | $28 | $28 | 0.14% |
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 | 1,920 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 126 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,065 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. COMPANY | 2,433 | $210K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,193 | $1.4M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,193 | $1.4M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,193 | $1.4M |
| Other(5 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,193 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,433 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.