| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 775 YARD ST COLUMBUS, OH 43212 | AETNA LIFE INSURANCE COMPANY | $13K | — | $13K | 0.35% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | AETNA LIFE INSURANCE COMPANY | $12K | — | $12K | 0.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC C/O INNOTECH | 233 SOUTH WACKER DRIVE, SUITE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 23.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD STREET, SUITE 200 COLUMBUS, OH 43212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 10.09% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67 | — | $67 | 0.14% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION-EXCHANGE | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $824 | — | $824 | 4.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD STREET, SUITE 200 COLUMBUS, OH 43212 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $479 | — | $479 | 5.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA BEHAVIORAL HEALTH, LLC PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $8K |
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 | 334 | 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) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 523 | $3.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 523 | $3.7M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 289 | $19K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 523 | $3.7M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 319 | $92K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 319 | $92K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 523 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.