| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 200 LIBERTY STREET NEW YORK, NY 10281 | CONTINENTAL AMERICAN INSURANCE COMPANY | $81K | — | $81K | 11.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON WEST, INC. | 333 BUSH ST. STE. 400 SAN FRANCISCO, CA 94104 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $15K | $15K | 2.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET NEW YORK, NY 10281 | DELTA DENTAL OF PENNSYLVANIA | $35K | — | $35K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 | 300 SOUTH GRAND AVE SUITE 2000 LOS ANGELES, CA 90071 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | — | $22K | 22.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 775 YARD STREET STE 200 COLUMBUS, OH 43212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 5.83% |
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 | 1,001 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,057 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2 | $0 |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 1,786 | $578K |
| Vision | VISION SERVICE PLAN | 980 | $96K |
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,242 | $677K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,242 | $677K |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,242 | $677K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,242 | $776K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,786 | — |
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.