| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | 335 MADISON AVE FL 20 NEW YORK, NY 10017 | RELIASTAR LIFE INSURANCE COMPANY | — | $54K | $54K | 6.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $1.7M |
| UNUM LIFE INSURANCE CO OF AMERICA EIN 01-1278678 N/A | Contract Administrator Service code 13 | 1 FOUNTAIN SQUARE CHATTANOOGA, TN 37402 | $86K |
| AETNA BEHAVIORAL HEALTH, LLC EIN 20-0446713 PLAN ADMINISTRATOR | Other services; Claims processing Service code 12 | 151 FARMINGTON AVE RSAA HARTFORD, CT 06156 | $37K |
| PAYFLEX SYSTEMS USA, INC. EIN 91-1774434 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 10802 FARNAM DR., SUITE 100 OMAHA, NE 68454 | $26K |
| HEALTH & HUMAN RESOURCE CENTER, INC EIN 20-0446713 PLAN ADMINISTRATOR | Other services; Claims processing Service code 12 | 151 FARMINGTON AVE RSAA HARTFORD, CT 06156 | $9K |
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 | 3,087 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,087 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,010 | $329K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,021 | $1.2M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,565 | $813K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 2,140 | $894K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,087 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,565 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.