| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 32090 NEW YORK, NY 10087 | AETNA LIFE INSURANCE COMPANY | — | $3K | $3K | 0.30% |
| SAFEGUARD GROUP INC3 | 100 GRANITE DRIVE SUITE 205 MEDIA, PA 19063 | METROPOLITAN LIFE INSUANCE COMPANY | $43K | $26 | $43K | 7.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC. | 100 MATSONFORD ROAD SUITE 200 RADNOR, PA 19087 | CAREFIRST BLUECHOICE, INC | $0 | $2K | $2K | 0.77% |
| 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 Service code 12 | — | $5.1M |
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 | 1,439 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,462 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | INDEPENDENCE BLUE CROSS | 1,406 | $15.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 2,159 | $831K |
| Vision(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 791 | $3.2M |
| Life insurance | METROPOLITAN LIFE INSUANCE COMPANY | 1,646 | $595K |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 70 | $1.0M |
| Other(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 1,646 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,159 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.