| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $28K | — | $28K | 4.01% |
| GARY TERRY4 | 100 GRANDVIEW ROAD, SUITE 412 BRAINTREE, MA 02184 | PRUDENTIAL FINANCIAL INC. | $32K | — | $32K | 4.56% |
| CHRISTOPHER KRISTIAN4 | 100 GRANDVIEW ROAD, SUITE 412 BRAINTREE, MA 02184 | PRUDENTIAL FINANCIAL INC. | $27K | — | $27K | 3.88% |
| FIRST AMERICAN INSURANCE UNDERWRITE4 | 460 HILLSIDE AVE NEEDHAM, MA 02494 | PRUDENTIAL FINANCIAL INC. | $18K | — | $18K | 2.59% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WATSON WYATT INSURANCE CONSULT | 80 WILLIAMS ST WELLESLEY HILL, MA 02481 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 1.60% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WATSON WYATT INSURANCE CONSULT | 80 WILLAIMS ST WELLESLEY HILL, MA 02481 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | — | $30K | 4.60% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WATSON WYATT INSURANCE CONSULT | 80 WILLAIMS ST WELLESLEY HILL, MA 02481 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50K | — | $50K | 15.00% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WATSON WYATT INSURANCE CONSULT | 80 WILLIAMS ST WELLESLEY HILL, MA 02481 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.55% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | ZURICH AMERICAN INSURANCE COMPANY | $48K | — | $48K | 25.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | RELIASTAR LIFE INSURANCE COMPANY | $27K | — | $27K | 22.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | ZURICH AMERICAN INSURANCE COMPANY | $3K | — | $3K | 25.00% |
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 | 2,097 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 209 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 128 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 50 | $703K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 50 | $703K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,624 | $1.0M |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL FINANCIAL INC. | 1,675 | $1.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,106 | $665K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,372 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,372 | — |
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.