| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | PO BOX 32090 NEW YORK, NY 10087 | AULTCARE INSURANCE COMPANY | $27K | — | $27K | 2.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 NORTH WARNER ROAD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 801 S FIGUEROA STREET SUITE 800 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 1.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | PO BOX 13056 NEWARK, NJ 07188 | RELIASTAR LIFE INSURANCE COMPANY | $9K | — | $9K | 13.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 100 MATSONFORD RD BLDG 5 WAYNE, PA 19087 | RELIASTAR LIFE INSURANCE COMPANY | $6K | — | $6K | 9.72% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES, INC | 2103 CITYWEST BLVD STE 200 HOUSTON, TX 77042 | RELIASTAR LIFE INSURANCE COMPANY | — | $3K | $3K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | PO BOX 32090 NEW YORK, NY 10087 | VISION SERVICE PLAN | $10K | — | $10K | 14.97% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES | 3010 BRIARPARK DR STE 8000 HOUSTON, TX 77042 | VISION SERVICE PLAN | $3K | — | $3K | 4.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | ONE PPG PLACE STE 1000 PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 401 LIBERTY AVE FL 22 PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $330 | $330 | 1.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | ONE PPG PLACE STE 1000 PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $337 | — | $337 | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 401 LIBERTY AVE FL 22 PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $84 | $84 | 1.25% |
| EMPYREAN BENEFITS3 Filed as: EMPYREAN BENEFIT SOULTIONS, INC. | 3010 BRIARPARK DR., SUITE 800 HOUSTON, TX 77042 | METLIFE LEGAL PLANS, INC. | — | $486 | $486 | 12.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | PO BOX 32090 NEW YORK, NY 10087 | METLIFE LEGAL PLANS, INC. | $337 | — | $337 | 8.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 NORTH WARNER ROAD SUITE 300 KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $369 | $47 | $416 | 11.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $143 | — | $143 | 15.05% |
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 | 445 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 126 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 575 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AULTCARE INSURANCE COMPANY | 72 | $1.2M |
| Vision | VISION SERVICE PLAN | 268 | $64K |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 512 | $167K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 512 | $134K |
| Other(8 contracts, 6 carriers) | HARTFORD LIFE AND ACCIDENT | 512 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 512 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.