| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 P.O. BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $70K | $53K | $124K | 5.33% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 P.O. BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $10K | — | $10K | 0.64% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 P.O. BOX #28852 NEW YORK, NY 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | $8K | $32K | 2.66% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | THE HARTFORD | $25K | — | $25K | 2.41% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 P.O. BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $50K | $24K | $73K | 7.14% |
| 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 | $26K | — | $26K | 8.00% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE SUITE 1300 BOSTON, MA 02199 | FOUR EVER LIFE INSURANCE COMPANY | — | $16K | $16K | 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 | 5,698 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,750 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INSURANCE COMPANY | 73 | $323K |
| Dental | FOUR EVER LIFE INSURANCE COMPANY | 73 | $323K |
| Vision | VISION SERVICE PLAN | 4,755 | $1.6M |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 6,590 | $3.3M |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,781 | $2.2M |
| Other | BEACON HEALTH OPTIONS, INC. | 5,741 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,590 | — |
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.