| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | 200 LIBERTY ST FL16 NEW YORK, NY 10281 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $41K | $27K | $68K | 3.31% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS TOWERS WATSON US | 200 LIBERTY ST FL16 NEW YORK, NY 10281 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | $6K | $43K | 2.10% |
| WILLIS TOWERS WATSON US LLC3 | COMMISION LOCKBOX 28852 P O BOX 28852 NEW YORK, NY 10087 | UNITED HEALTHCARE STOP LOSS-UNITED HEALTH | $71K | $0 | $71K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $14K | $14K | 1.16% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $39 | $39 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCK BOX 28852 NEW YORK, NY 10087 | UNITED HEALTHCARE INSURANCE COMPANY | $888 | $0 | $888 | 9.99% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS TOWERS WATSON US | 101 SOUTH HANLEY ROAD, SUITE 900 ST. LOUIS, MO 63105 | CHUBB INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 2,576 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,576 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENT HEALTH BENEFITS CORPORATION | 143 | $1.7M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,214 | $1.2M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,767 | $410K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,576 | $2.0M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,576 | $2.0M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,576 | $2.0M |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 1 | $9K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE STOP LOSS-UNITED HEALTH | 1,921 | $1.4M |
| Other(4 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,585 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,585 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.