| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC0 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | ONE WORLD FINANCIAL CENTER 200 LIBE NEW YORK, NY 10281 | COMMUNITY INSURANCE COMPANY | $100K | — | $100K | 1.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC | PO BOX 5002 SHORT HILLS, NJ 07078 | HARTFORD LIFE AND ACCIDENT | $36K | $6K | $42K | 11.31% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS OF NEW JERSEY INC | 150 JOHN F. KENNEDY PARKWAY STE 520 SHORT HILLS, NJ 07078 | DELTA DENTAL OF NJ, INC | $6K | — | $6K | 3.20% |
| WILLIS TOWERS WATSON US LLC5 Filed as: WILLIS OF NEW JERSEY INC | PO BOX 416315 BOSTON, MA 022416315 | EYEMED | $5K | — | $5K | 10.31% |
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 | 770 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 770 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 770 | $6.5M |
| Dental | DELTA DENTAL OF NJ, INC | 514 | $193K |
| Vision | EYEMED | 748 | $46K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 501 | $369K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 501 | $369K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 501 | $369K |
| Other | HARTFORD LIFE AND ACCIDENT | 501 | $369K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 770 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.