| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | JF MORGAN BANK ATTN WILLIS OF TX 731739 FT WORTH, TX 76155 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $219K | $219K | 4.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 731739 DALLAS, TX 75373 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $44K | $44K | 0.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | SERVICES WEST INC 920 MEMORIAL CITY WAY STE 500 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | $43K | $31 | $43K | 9.15% |
| LIAZON BENEFITS INC5 | 199 SCOTT STREET FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $24K | $24K | 4.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | 920 MEMORIAL CITY WAY STE 500 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $31 | $7K | 1.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | SERVICES WEST INC PO BOX 101162 PASADENA, CA 91189 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 1.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | PO BOX 731739 DALLAS, TX 75373 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | SERVICES WEST JP MORGAN CHASE 14800 FRYE ROAD 2ND FL FORT WORTH, TX 76155 | HARTFORD LIFE AND ACCIDENT | $54K | — | $54K | 16.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | SERVICES WEST INC 920 MEMORIAL CITY WAY STE 500 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $31 | $12K | 18.37% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 4.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS | 920 MEMORIAL CITY WAY STE 500 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $31 | $1K | 1.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | SERVICES WEST INC PO BOX 101162 PASADENA, CA 91189 | METROPOLITAN LIFE INSURANCE COMPANY | — | $741 | $741 | 1.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | PO BOX 731739 DALLAS, TX 75373 | METROPOLITAN LIFE INSURANCE COMPANY | — | $372 | $372 | 0.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | SERVICES WEST INC 920 MEMORIAL CITY WAY STE 500 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $31 | $10K | 18.33% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS | 920 MEMORIAL CITY WAY STE 500 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | $891 | $31 | $922 | 1.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | SERVICES WEST INC PO BOX 101162 PASADENA, CA 91189 | METROPOLITAN LIFE INSURANCE COMPANY | — | $611 | $611 | 1.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | PO BOX 731739 DALLAS, TX 75373 | METROPOLITAN LIFE INSURANCE COMPANY | — | $317 | $317 | 0.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | SERVICES WEST INC 920 MEMORIAL CITY WAY STE 500 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $31 | $6K | 18.37% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 4.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS | 920 MEMORIAL CITY WAY STE 500 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | $477 | $31 | $508 | 1.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | SERVICES WEST INC PO BOX 101162 PASADENA, CA 91189 | METROPOLITAN LIFE INSURANCE COMPANY | — | $383 | $383 | 1.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | PO BOX 731739 DALLAS, TX 75373 | METROPOLITAN LIFE INSURANCE COMPANY | — | $170 | $170 | 0.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | SERVICES WEST JP MORGAN CHASE 14800 FRYE ROAD 2ND FL FORT WORTH, TX 76155 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 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 | 421 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 34 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 423 | $5.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 397 | $473K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 397 | $473K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 478 | $330K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 478 | $330K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 478 | $330K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 423 | $5.2M |
| Other(5 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 478 | $500K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 478 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.