| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: 42-1246 WILLIS TOWERS WATSON NE | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE LIFE INSURANCE COMPANY | $3K | — | $3K | 3.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: 42-1246 WILLIS TOWERS WATSON NE | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE LIFE INSURANCE COMPANY | $3K | — | $3K | 4.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: 12-0369 WILLIS TOWERS WATSON INSURA | 500 N. AKARD ST SUITE 4300 DALLAS, TX 75201 | RELIANCE LIFE INSURANCE COMPANY | — | $3K | $3K | 4.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: 42-1246 WILLIS TOWERS WATSON NE | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: 12-0369 WILLIS TOWERS WATSON INSURA | 500 N. AKARD ST SUITE 4300 DALLAS, TX 75201 | RELIANCE LIFE INSURANCE COMPANY | — | $2K | $2K | 4.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: 42-1246 WILLIS TOWERS WATSON NE | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE LIFE INSURANCE COMPANY | $4K | — | $4K | 8.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: 12-0369 WILLIS TOWERS WATSON INSURA | 500 N. AKARD ST SUITE 4300 DALLAS, TX 75201 | RELIANCE LIFE INSURANCE COMPANY | — | $2K | $2K | 4.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NE INC | PO BOX 414965 BOSTON, MA 02241 | VSP | $673 | — | $673 | 2.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: 42-1246 WILLIS TOWERS WATSON NE | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: 12-0369 WILLIS TOWERS WATSON INSURA | 500 N. AKARD ST SUITE 4300 DALLAS, TX 75201 | RELIANCE LIFE INSURANCE COMPANY | — | $247 | $247 | 2.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE LIFE INSURANCE COMPANY | $754 | — | $754 | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: 42-1246 WILLIS TOWERS WATSON NE | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE LIFE INSURANCE COMPANY | $1K | — | $1K | 20.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: 12-0369 WILLIS TOWERS WATSON INSURA | 500 N. AKARD ST SUITE 4300 DALLAS, TX 75201 | RELIANCE LIFE INSURANCE COMPANY | — | $238 | $238 | 3.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: 42-1246 WILLIS TOWERS WATSON NE | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE LIFE INSURANCE COMPANY | $465 | — | $465 | 8.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: 12-0369 WILLIS TOWERS WATSON INSURA | 500 N. AKARD ST SUITE 4300 DALLAS, TX 75201 | RELIANCE LIFE INSURANCE COMPANY | — | $333 | $333 | 6.09% |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VSP | 146 | $24K |
| Life insurance(3 contracts) | RELIANCE LIFE INSURANCE COMPANY | 60 | $118K |
| Short-term disability | RELIANCE LIFE INSURANCE COMPANY | 0 | $113K |
| Long-term disability | RELIANCE LIFE INSURANCE COMPANY | 0 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.