| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 1 WORLD FINANCIAL CENTER 200 LIBERTY ST, FL. 6 NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $8K | $22K | 4.63% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG AND BUCKELEW CO. INC. | P.O. BOX 99106 CAMDEN, NJ 08101 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS W INC | 801 S. FIGUEROA STREET, STE 800 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 1.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 800 BOYLSTON STREET BOSTON, MA 02199 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. COMPANY | $8K | — | $8K | 9.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | P.O. BOX 4557 NEW YORK, NY 10249 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 23.44% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG AND BUCKELEW | P.O. BOX 99106 401 ROUTE 73 N., STE 300 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$1K | — | -$1K | -3.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | P.O. BOX 4557 NEW YORK, NY 10249 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 24.17% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG AND BUCKELEW | P.O. BOX 99106 401 ROUTE 73 N., STE 300 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$1K | — | -$1K | -4.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | P.O. BOX 4557 NEW YORK, NY 10249 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 26.14% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG AND BUCKELEW | P.O. BOX 99106 401 ROUTE 73 N., STE 300 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$1K | — | -$1K | -6.14% |
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 | 1,408 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 38 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,051 | $483K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. COMPANY | 1,679 | $82K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 653 | $464K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 653 | $464K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 653 | $464K |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,408 | $540K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,051 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.