| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA | 100 MATSONFORD ROAD SUITE 200 RADNOR, PA 190878062 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $23K | $0 | $23K | 2.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 100 MATSONFORD ROAD BUILDING 5 SUITE 200 WAYNE, PA 19087 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 11.94% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 2.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | SERVICES WEST 801 S FIGUEROA STREET SUITE 800 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | $0 | $704 | $704 | 1.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | P.O. BOX 32090 NEW YORK, NY 10087 | UNITED CONCORDIA INSURANCE COMPANY | $124 | $0 | $124 | 0.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 1100 MATSONFORD ROAD BUILDING 5, SUITE 200 RADNOR, PA 19087 | GERBER LIFE INSURANCE COMPANY | $136 | $0 | $136 | 7.53% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 92 | $1.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 230 | $13K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 92 | $12K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 158 | $43K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 158 | $43K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 158 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.