| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | PO BOX 9052 RADNOR, PA 190879052 | SYMETRA LIFE INSURANCE COMPANY | $15K | — | $15K | 4.22% |
| 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 | $15K | $2K | $17K | 11.25% |
| 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 | $0 | $1K | $1K | 1.24% |
| 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 | $13K | $1K | $14K | 14.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 NONE | Claims processing Service code 12 | P.O. BOX 890382 CAMP HILL, PA 17089 | $800K |
| UNITED CONCORDIA EIN 25-1687586 NONE | Claims processing Service code 12 | P.O. BOX 69421 HARRISBURG, PA 17106 | $55K |
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 | 1,495 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,898 | $258K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,898 | $107K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,898 | $208K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 1,516 | $354K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,898 | — |
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.