| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 100 MATSONFORD ROAD BLDG. 5, SUITE 200 RADNOR, PA 19087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 0.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 100 MATSONFORD ROAD BLDG. 5, SUITE 200 RADNOR, PA 19087 | DEAN HEALTH PLAN INC. | $15K | — | $15K | 1.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 5 RADNOR CORPORATE CENTER SUITE 200 RADNOR, PA 19087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | — | $15K | 6.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 100 MATSONFORD ROAD BLDG. 5, SUITE 200 RADNOR, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $61 | $61 | 0.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | HEARST TOWER 214 N TRYON STREET, SUITE 2500 CHARLOTTE, NC 28202 | AMERITAS LIFE INSURANCE CORP. | — | $983 | $983 | 2.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | PO BOX 32090 NEW YORK, NY 10087 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE | $3K | — | $3K | 9.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC. | 100 MATSONFORD ROAD BLDG. 5, SUITE 200 RADNOR, PA 19087 | AETNA LIFE INSURANCE CO. | $351 | — | $351 | 7.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 200 LIBERTY STREET 7TH FLOOR NEW YORK, NY 10281 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $715 | — | $715 | 25.00% |
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 | 415 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 86 | $4.3M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 223 | $259K |
| Vision(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 391 | $1.0M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 193 | $250K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 193 | $250K |
| Prescription drug(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 86 | $4.3M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 193 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 391 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.