| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX #9102 P.O. BOX #8500 PHILADELPHIA, PA 19178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $46K | $12K | $58K | 2.52% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX #9102 P.O. BOX 8500 PHILADELPHIA, PA 19178 | MINNESOTA LIFE INSURANCE COMPANY | $63K | $47K | $110K | 5.49% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX #9102 P.O. BOX 8500 PHILADELPHIA, PA 19178 | VISION SERVICE PLAN | $11K | — | $11K | 0.63% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX #9102 P.O. BOX 8500 PHILADELPHIA, PA 19178 | MINNESOTA LIFE INSURANCE COMPANY | $44K | $21K | $65K | 7.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE RD SUITE 330 SOUTHBOROUGH, MA 01772 | FOUR EVER LIFE INSURANCE COMPANY | $34K | — | $34K | 8.00% |
| BC/BS OF MASS3 | 101 HUNTINGTON AVE SUITE 1300 BOSTON, MA 02199 | FOUR EVER LIFE INSURANCE COMPANY | — | $21K | $21K | 5.00% |
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 | 4,687 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 150 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,841 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INSURANCE COMPANY | 102 | $428K |
| Dental | FOUR EVER LIFE INSURANCE COMPANY | 102 | $428K |
| Vision | VISION SERVICE PLAN | 4,210 | $1.7M |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 5,566 | $2.9M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,687 | $2.3M |
| Other | AETNA | 4,760 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,566 | — |
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.