| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 200 LIBERTY ST NEW YORK, NY 10281 | NEIGHBORHOOD HEALTH PARTNERSHIP | — | $36K | $36K | 2.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 200 LIBERTY ST NEW YORK, NY 10281 | NEIGHBORHOOD HEALTH PARTNERSHIP | — | $5K | $5K | 0.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC | 200 LIBERTY ST NEW YORK, NY 10281 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $10K | $19K | 3.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC | ONE WORLD FINANCIAL NEW YORK, NY 10281 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | ONE WORLD FINANCIAL CTR 6TH FL 200 LIBERTY ST NEW YORK, NY 10281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $14K | 6.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | ONE WORLD FINANCIAL CTR 6TH FL 200 LIBERTY ST NEW YORK, NY 10281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $503 | $4K | 11.35% |
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 | 396 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 535 | $2.1M |
| Dental(2 contracts, 2 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 535 | $2.1M |
| Vision(2 contracts, 2 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 535 | $2.1M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 836 | $266K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 836 | $229K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 836 | $229K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 836 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 836 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.