| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 416672 BOSTON, MA 02241 | AETNA LIFE INSURANCE COMPANY | — | $3K | $3K | 0.33% |
| SAFEGUARD GROUP INC3 | 100 GRANITE DR STE 205 MEDIA, PA 19063 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $38 | $40K | 6.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | 100 MATSONFORD RD SUITE 200 RADNOR, PA 19087 | CAREFIRST BLUECHOICE, INC | $0 | $4K | $4K | 1.21% |
| AON CONSULTING INC Filed as: AON CONSULTING INC. | 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $734 | — | $734 | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVS PHARMACY, INC EIN 05-0340626 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $4.6M |
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 | 1,421 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | INDEPENDENCE BLUE CROSS | 1,392 | $13.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 2,109 | $769K |
| Vision(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 785 | $3.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,685 | $600K |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 79 | $923K |
| Other(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 1,685 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,109 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.