| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON LLC | 2321 WHITNEY AVE HAMDEN, CT 06518 | COMMUNITY INSURANCE COMPANY (G1728) | $29K | — | $29K | 1.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 775 YARD ST SUITE 200 COLUMBUS, OH 43212 | COMMUNITY INSURANCE COMPANY (G1728) | — | $6K | $6K | 0.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NE INC 42-1246 | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 5.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC JOE REGAN | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | DELTA DENTAL OF OHIO | $5K | — | $5K | 4.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NE INC 42-1246 | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 7.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NE INC 42-1246 | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 10.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NE INC 42-1246 | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 7.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | PO BOX 414965 BOSTON, MA 02241 | VISION SERVICE PLAN | $1K | — | $1K | 5.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NE INC 42-1246 | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $635 | — | $635 | 8.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NE INC 42-1246 | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $682 | — | $682 | 9.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NE INC 42-1246 | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $936 | — | $936 | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NE INC 42-1246 | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 20.00% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY (G1728) | 337 | $2.7M |
| Dental | DELTA DENTAL OF OHIO | 334 | $109K |
| Vision | VISION SERVICE PLAN | 151 | $23K |
| Life insurance(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 156 | $112K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 157 | $127K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 157 | $50K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 63 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.