| 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 | $58K | $0 | $58K | 3.75% |
| 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 | $11K | 12.89% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 4.78% |
| LIAZON BENEFITS INC5 Filed as: LIAZON CORPORATION | 199 SCOTT ST SUITE 800 BUFFALO, NY 14204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | -$177 | $2K | $2K | 5.00% |
| LIAZON BENEFITS INC5 Filed as: LIAZON CORPORATION | 199 SCOTT ST STE 800 BUFFALO, NY 14204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | -$78 | $1K | $996 | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| LIAZON BENEFITS INC5 Filed as: LIAZON CORPORATION | 199 SCOTT ST SUITE 800 BUFFALO, NY 14204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | -$11 | $126 | $115 | 5.13% |
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 | 61 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 916 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 977 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 147 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 40 | $89K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 40 | $89K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 916 | $188K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 58 | $29K |
| Long-term disability(2 contracts) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 61 | $20K |
| Other(2 contracts, 2 carriers) | FEDERAL INSURANCE COMPANY | 61 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 916 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.