| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC | 100 MATSONFORD RD STE 200 BLDG 5 RADNOR, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $17K | $17K | 1.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC | PO BOX 9052 RADNOR, PA 19087 | SYMETRA LIFE INSURANCE COMPANY | — | $7K | $7K | 1.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC | 100 MATSONFORD RD STE 200 BLDG 5 RADNOR, PA 19807 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$3K | $3K | $623 | 0.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | FIVE RADNOR CORPORATE CENTER 100 MATSONFORD RD, BLDG 5, SUITE 20 RADNOR, PA 19087 | HYATT LEGAL PLANS | $3K | $320 | $3K | 11.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNYSLVANIA, INC. | PO BOX 32090 NEW YORK, NY 10087 | HYATT LEGAL PLANS | — | $234 | $234 | 0.76% |
| TRION GROUP, INC.3 Filed as: TRION | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HYATT LEGAL PLANS | — | $149 | $149 | 0.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HYATT LEGAL PLANS | — | $21 | $21 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VIVERAE EIN 26-4218002 WELLNESS | Claims processing Service code 12 | — | $432K |
| SWIFTMD EIN 26-1306606 MED ADMINISTRATOR | Claims processing Service code 12 | — | $88K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 DENTAL ADMINISTRATION | Claims processing; Contract Administrator Service code 12 | — | $68K |
| EXPRESS SCRIPTS, INC EIN 22-3461740 RX ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $64K |
| IDENTITY REHAB CORP DBA ID WATCHDOG EIN 20-3931142 IDENTITY THEFT | Contract Administrator; Claims processing Service code 12 | — | $35K |
| DISCOVERY BENEFITS FSA/COBRA ADMINISTRATION | Contract Administrator; Claims processing Service code 12 | — | $34K |
| WEST HEALTH ADVOCATE SOLUTIONS INC. EIN 23-3080019 N/A | Claims processing Service code 12 | — | $18K |
| CAREBRIDGE CORPORATION EIN 23-2614764 EAP ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $18K |
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 | 2,242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 59 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 2,242 | $14.2M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,872 | $501K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 595 | $1.3M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 595 | $1.3M |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,872 | $630K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,242 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.