| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | OXFORD HEALTH INSURANCE INC | $40K | — | $40K | 2.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC | 200 LIBERTY ST NEW YORK, NY 10281 | OXFORD HEALTH INSURANCE INC | $9K | — | $9K | 0.64% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $61 | $5K | 4.88% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 4.26% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $639 | $639 | 0.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 200 LIBERTY ST FL 6 NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | — | $61 | $61 | 0.06% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT ST SUITE 800 BUFFALO, NY 14204 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $875 | $875 | 5.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 NEW YORK, NY 10087 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $53 | $53 | 0.30% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | FEDERAL INSURANCE COMPANY | $591 | — | $591 | 15.00% |
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 | 63 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,060 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE INC | 142 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 39 | $105K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 39 | $105K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,060 | $176K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 60 | $12K |
| Long-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 63 | $20K |
| Other(2 contracts, 2 carriers) | FEDERAL INSURANCE COMPANY | 63 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,060 | — |
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."
No prospect flags tripped on this filing.