| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | ONE WORLD FINANCIAL CENTER 200 LIBERTY STREET NEW YORK, NY 10281 | ANTHEM BLUE CROSS | $254K | — | $254K | 2.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 101162 PASADENA, CA 91189 | ANTHEM BLUE CROSS | — | $5K | $5K | 0.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY STREET NEW YORK, NY 10281 | ANTHEM BLUE CROSS AND BLUE SHIELD | $8K | — | $8K | 6.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | ONE WORLD FINANCIAL CTR 6TH FLOOR 200 LIBERTY ST NEW YORK, NY 10281 | FIRST UNUM LIFE INSURANCE COMPANY | — | $2K | $2K | 2.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | ONE WORLD FINANCIAL CTR 6TH FLOOR 200 LIBERTY ST NEW YORK, NY 10281 | FIRST UNUM LIFE INSURANCE COMPANY | — | $2K | $2K | 2.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | ONE WORLD FINANCIAL CTR 6TH FLOOR 200 LIBERTY ST NEW YORK, NY 10281 | FIRST UNUM LIFE INSURANCE COMPANY | — | $960 | $960 | 2.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET NEW YORK, NY 10281 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 319.84% |
| KRISTA ANNE ROTONDI3 | 6 RICHARD AVE SARATOGA SPRINGS, NY 12866 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 271.32% |
| JASON SALLEMI3 Filed as: JASON SALLEM | 302 MONROE ST. APT 4B HOBOKEN, NJ 07030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $566 | — | $566 | 20.16% |
| MELISSA ANN STEWART3 | 36 WINCOMA LANE SUITE D QUEENSBURY, NY 12804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $460 | — | $460 | 16.39% |
| SHAUN T KONIOR3 | 31 STRATFORD GRN FARMINGDALE, NY 11735 | CONTINENTAL AMERICAN INSURANCE COMPANY | $307 | — | $307 | 10.94% |
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 | 653 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 664 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS | 1,204 | $8.5M |
| Dental | ANTHEM BLUE CROSS | 1,204 | $8.5M |
| Vision | ANTHEM BLUE CROSS | 1,204 | $8.5M |
| Life insurance(3 contracts, 2 carriers) | ANTHEM BLUE CROSS AND BLUE SHIELD | 676 | $218K |
| Short-term disability(3 contracts, 2 carriers) | ANTHEM BLUE CROSS AND BLUE SHIELD | 676 | $254K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM BLUE CROSS AND BLUE SHIELD | 562 | $186K |
| Prescription drug | ANTHEM BLUE CROSS | 1,204 | $8.5M |
| Other(5 contracts, 3 carriers) | ANTHEM BLUE CROSS AND BLUE SHIELD | 676 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,204 | — |
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.