| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 500 N AKARD ST SUITE 4300 DALLAS, TX 75201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $48K | $240K | $288K | 4.45% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST 8TH FL BUFFALO, NY 14204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | -$17 | -$17 | -0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 811 LOUISIANA ST STE 2200 HOUSTON, TX 77002 | HARTFORD LIFE AND ACCIDENT | $57K | — | $57K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 801 S FIGUEROA STREET SUITE 800 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 1.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 811 LOUISIANA ST FL 22 HOUSTON, TX 77002 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $33 | $12K | 24.78% |
| EMPYREAN INSURANCE SERVICES, INC.5 Filed as: EMPYREAN BENEFIT SOLUTIONS INC | 3010 BRIARPARK DR #8000 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 5.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 101162 PASADENA, CA 91189 | METROPOLITAN LIFE INSURANCE COMPANY | — | $976 | $976 | 1.97% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$267 | -$267 | -0.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 811 LOUISIANA ST FL 22 HOUSTON, TX 77002 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $33 | $6K | 16.06% |
| EMPYREAN INSURANCE SERVICES, INC.5 Filed as: EMPYREAN BENEFIT SOLUTIONS INC | 3010 BRIARPARK DR #8000 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 3.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 101162 PASADENA, CA 91189 | METROPOLITAN LIFE INSURANCE COMPANY | — | $298 | $298 | 0.78% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$362 | -$362 | -0.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 811 LOUISIANA ST FL 22 HOUSTON, TX 77002 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $33 | $4K | 15.67% |
| EMPYREAN INSURANCE SERVICES, INC.5 Filed as: EMPYREAN BENEFIT SOLUTIONS INC | 3010 BRIARPARK DR #8000 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $908 | $908 | 3.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 101162 PASADENA, CA 91189 | METROPOLITAN LIFE INSURANCE COMPANY | — | $236 | $236 | 0.87% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$143 | -$143 | -0.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 920 MEMORIAL CITY WAY STE 500 HOUSTON, TX 77024 | HARTFORD LIFE AND ACCIDENT | $3K | $228 | $4K | 16.03% |
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 | 482 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 503 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 684 | $6.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 684 | $6.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 684 | $6.5M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 511 | $383K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 511 | $383K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 511 | $383K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 684 | $6.5M |
| Other(5 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 511 | $520K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 684 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.