| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORP. OF NY INC. | ONE WORLD FIN. CTR, 6TH FL., STE 6 200 LIBERTY STREET NEW YORK, NY 10281 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 3.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS. SVCS OF CA INC. | C/O WILLIS SAN FRNCSCO LCKBX 100485 BANC ONE DEPT 100485 PASADENA, CA 91189 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 1.76% |
| STEPHEN L GROSSMAN3 Filed as: STEPHEN L. GROSSMAN | ONE PENN PLAZA, SUITE 2035 250 WEST 34TH ST NEW YORK, NY 10119 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $517 | $33K | $34K | 13.41% |
| JAMES M. MCCARTHY3 | 1068 BLACK ROCK TPKE EASTON, CT 06612 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $24K | — | $24K | 9.66% |
| EUGENE G. MCCARTHY3 | 100 BEERS RD EASTON, CT 06612 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $21K | — | $21K | 8.24% |
| MICHAEL A BOOK3 Filed as: MICHAEL A. BOOK | 90 PARK AVE, FL. 17 NEW YORK, NY 10016 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $682 | $3K | 1.11% |
| HOWARD B. COWAN3 | 90 PARK AVE, FL. 17 NEW YORK, NY 10016 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | 1 WORLD FINANCIAL CTR 200 LIBERTY STREET, 6TH FL. NEW YORK, NY 10281 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 6.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 1 WORLD FINANCIAL CTR NEW YORK, NY 10281 | VISION SERVICE PLAN | $3K | — | $3K | 4.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 1 WORLD FINANCIAL CTR FL. 6 NEW YORK, NY 10281 | VISION SERVICE PLAN | -$284 | — | -$284 | -0.42% |
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 | 367 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $89K |
| Vision | VISION SERVICE PLAN | 319 | $67K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 367 | $453K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 367 | $453K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 367 | $703K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 367 | $542K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.