| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | 100 MATSONFORD RD, STE 200 RADNOR, PA 19087 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | — | $27K | 4.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | 100 MATSONFORD RD, STE 200 RADNOR, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 12.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | 100 MATSONFORD RD, STE 200 RADNOR, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $1K | $2K | 2.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | 100 MATSONFORD RD, STE 200 RADNOR, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 15.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 NONE | Claims processing Service code 12 | P.O. BOX 890382 CAMP HILL, PA 17089 | $788K |
| UNITED CONCORDIA EIN 25-1687586 NONE | Claims processing Service code 12 | P.O. BOX 69421 HARRISBURG, PA 17106 | $65K |
| STERLING FINANCIAL ADVISORS LLC EIN 23-2987972 NONE | Investment advisory (plan) Service code 27 | 1330 BROADCASTING ROAD, PO BOX 6321 WYOMISSING, PA 19610 | $5K |
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 | 1,537 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,545 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,778 | $196K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,778 | $83K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,778 | $162K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 13,861 | $645K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,861 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.