| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY ST FL 6 NEW YORK, NY 102810001 | UNITEDHEALTHCARE INSURANCE COMPANY | $67K | $0 | $67K | 3.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 200 LIBERTY ST FL 6 1 WORLD FINANCIAL CENTER NEW YORK, NY 102810001 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $12K | 11.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SVCS | PO BOX 101162 PASADENA, CA 91189 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $502 | $502 | 1.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 416672 BOSTON, MA 02241 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $308 | $308 | 0.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 416672 BOSTON, MA 02241 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $307 | $307 | 1.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SVCS | PO BOX 101162 PASADENA, CA 91189 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $292 | $292 | 1.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 416672 BOSTON, MA 02241 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $308 | $308 | 2.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SVCS | PO BOX 101162 PASADENA, CA 91189 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $175 | $175 | 1.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 416672 BOSTON, MA 02241 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $154 | $154 | 6.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SVCS | PO BOX 101162 PASADENA, CA 91189 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $29 | $29 | 1.20% |
| AON CONSULTING INC3 | ONE LIBERTY PLAZA 165 BROADWAY STE 3201 NEW YORK, NY 10006 | FEDERAL INSURANCE COMPAANY | $0 | $0 | $0 | — |
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 | 59 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 708 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 767 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 132 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 127 | $101K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 127 | $101K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 708 | $175K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 58 | $24K |
| Long-term disability(2 contracts) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 59 | $15K |
| Other(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 59 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 708 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.