| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $51K | $42K | $93K | 3.36% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 P.O. BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $78K | $63K | $142K | 5.23% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 P.O. BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $11K | — | $11K | 0.71% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 P.O. BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $56K | $27K | $83K | 7.20% |
| 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 | $20K | — | $20K | 8.00% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE SUITE 1300 BOSTON, MA 02199 | FOUR EVER LIFE INSURANCE COMPANY | $0 | $13K | $13K | 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 | 5,011 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 51 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 125 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INSURANCE COMPANY | 63 | $252K |
| Dental | FOUR EVER LIFE INSURANCE COMPANY | 63 | $252K |
| Vision | VISION SERVICE PLAN | 4,207 | $1.6M |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 5,548 | $3.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,920 | $2.8M |
| Other | BEACON HEALTH OPTIONS, INC. | 4,960 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,548 | — |
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."
No prospect flags tripped on this filing.