| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | AETNA HEALTH, INC. | $26K | $0 | $26K | 4.81% |
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON DELAWARE INC | 345 CALIFORNIA ST STE 1400 SAN FRANCISCO, CA 94104 | AETNA HEALTH, INC. | $5K | $0 | $5K | 0.99% |
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON PENNSYLVANIA | LOCKBOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.70% |
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 | 2,657 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 223 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 2,880 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 3 | $24K |
| Dental | AETNA LIFE INSURANCE COMPANY | 3 | $24K |
| Vision | EYEMED VISION CARE | 4,438 | $342K |
| Life insurance | AETNA LIFE INSURANCE CO. | 3,704 | $1.6M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 3,704 | $1.6M |
| Other(5 contracts, 5 carriers) | AETNA LIFE INSURANCE CO. | 3,704 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,438 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.