| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 801 S FIGUEROA STREET LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $10K | $10K | 1.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 200 LIBERTY ST, FL 6 1 WORLD FINANCIAL CENTER NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $11K | $29K | 4.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 800 BOYLSTON STREET SUITE 600 BOSTON, MA 52199 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $17K | — | $17K | 14.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 4557 NEW YORK, NY 10249 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 18.23% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $226 | $226 | 0.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | P.O. BOX 4557 NEW YORK, NY 10249 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 18.36% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $224 | $224 | 0.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 4557 NEW YORK, NY 10249 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 18.58% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $101 | $101 | 0.56% |
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 | 1,545 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 93 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,647 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,242 | $623K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,871 | $113K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 625 | $685K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 625 | $685K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 625 | $685K |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,545 | $760K |
| 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."
No prospect flags tripped on this filing.