| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 100 MATSONFORD RD FIVE RADNOR CORP. CTR, STE 200 RADNOR, PA 19087 | INDEPENDENCE BLUE CROSS | $180K | — | $180K | 1.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORPORATION | PO BOX 905196 CHARLOTTE, NC 28290 | AETNA LIFE INSURANCE CO. | $29K | $16K | $46K | 9.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC. | 100 MATSONFORD RD, STE 200 RADNOR, PA 19087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC. | 16220 N. SCOTTSDALE RD, STE 600 SCOTTSDALE, AZ 852541804 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 5.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC. | 100 MATSONFORD RD, STE 200 RADNOR, PA 19087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC. | 16220 SCOTTSDALE RD, STE 600 SCOTTSDALE, AZ 852541804 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 5.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC. | 100 MATSONFORD RD, STE 200 RADNOR, PA 19087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC. | 16220 N. SCOTTSDALE RD, STE 600 SCOTTSDALE, AZ 852541804 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 3.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC. | 100 MATSONFORD RD, STE 200 RADNOR, PA 19087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLS OF ARIZONA INC. | 16220 N. SCOTTSDALE RD, STE 600 SCOTTSDALE, AZ 852541804 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC. | 100 MATSONFORD RD, STE 200 BLDG 5 RADNOR, PA 19087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 8.08% |
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 | 922 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 48 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 976 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 1,823 | $11.1M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,817 | $515K |
| Vision | INDEPENDENCE BLUE CROSS | 1,823 | $11.0M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,177 | $218K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 686 | $127K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 686 | $113K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 1,823 | $11.0M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,177 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,823 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.