| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 100 W MATSONFORD ROAD BUILDING 5, SUITE 200 RADNOR, PA 19087 | DELTA DENTAL OF PENNSYLVANIA | $30K | — | $30K | 6.00% |
| PAUL M GROH3 | 100 MATSONFORD ROAD RADNOR, PA 19087 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $43K | — | $43K | 8.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SERVICES | 801 S FIGUEROA STREET 7TH FLOOR LOS ANGELES, CA 90017 | ZURICH AMERICAN LIFE INSURANCE COMPANY | — | $12K | $12K | 2.35% |
| 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 | $5K | — | $5K | 10.00% |
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 | 1,144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $49K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 1,749 | $556K |
| Life insurance | ZURICH AMERICAN LIFE INSURANCE COMPANY | 1,138 | $493K |
| Short-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 1,138 | $493K |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 1,138 | $493K |
| Other(2 contracts, 2 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 1,138 | $542K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,749 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.