| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SERVICES | PO BOX 101162 PASADENA, CA 91189 | NEW YORK LIFE INSURANCE COMPANY OF NEW YORK | $0 | $6K | $6K | 0.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 400 NORTH EXECUTIVE DRIVE SUITE 300 BROOKFIELD, WI 53005 | NEW YORK LIFE INSURANCE COMPANY OF NEW YORK | $4K | $0 | $4K | 0.67% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | NEW YORK LIFE INSURANCE COMPANY OF NEW YORK | $469 | $0 | $469 | 0.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 111 EAST KILBOURN AVENUE SUITE 1850 MILWAUKEE, WI 53202 | ANTHEM BLUE CROSS BLUE SHIELD | $28K | $0 | $28K | 6.75% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM BLUE CROSS BLUE SHIELD | $10K | $0 | $10K | 2.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SERVICES | 300 SOUTH GRAND AVENUE SUITE 2000 LOS ANGELES, CA 90071 | ANTHEM BLUE CROSS BLUE SHIELD | $0 | $4K | $4K | 1.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 122 EAST COLLEGE AVENUE, SUITE 201 APPLETON, WI 54911 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 7.40% |
| USI INSURANCE SERVICES LLC3 | 300 CORPORATE CENTER DRIVE SUITE 303 CAMP HILL, PA 17011 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $628 | $4K | 5.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 35371 NETWORK PLACE CHICAGO, IL 60673 | ARAG SERVICES, LLC | $2K | $0 | $2K | 8.94% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | ARAG SERVICES, LLC | $455 | $0 | $455 | 2.31% |
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 | 1,684 | 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) | 1,684 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM BLUE CROSS BLUE SHIELD | 1,169 | $415K |
| Vision | ANTHEM BLUE CROSS BLUE SHIELD | 1,169 | $415K |
| Life insurance | NEW YORK LIFE INSURANCE COMPANY OF NEW YORK | 1,684 | $580K |
| Short-term disability | NEW YORK LIFE INSURANCE COMPANY OF NEW YORK | 1,684 | $580K |
| Long-term disability | NEW YORK LIFE INSURANCE COMPANY OF NEW YORK | 1,684 | $580K |
| Other(4 contracts, 4 carriers) | NEW YORK LIFE INSURANCE COMPANY OF NEW YORK | 1,684 | $690K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,684 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.