| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 P.O. BOX #28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $147K | $15K | $163K | 5.52% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 P.O. BOX #28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $65K | $7K | $72K | 5.53% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 P.O. BOX #28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $1K | $16K | 5.49% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 P.O. BOX #28852 NEW YORK, NY 100878852 | ARAG INSURANCE COMPANY | $6K | — | $6K | 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 | 6,401 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 60 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 144 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,605 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 1 | $8K |
| Vision | AETNA LIFE INSURANCE COMPANY | 1 | $8K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,415 | $2.9M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,376 | $1.3M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,404 | $412K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,415 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.