| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $74K | $26K | $99K | 6.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $113K | $45K | $158K | 15.62% |
| WILLIS TOWERS WATSON US LLC3 | 4301 W BOY SCOUT BLVD, SUITE 570 TAMPA, FL 33607 | HARTFORD LIFE AND ACCIDENT | $12K | $2K | $14K | 5.76% |
| WILLIS TOWERS WATSON US LLC3 | 101 SOUTH HANLEY ROAD STE 900 SAINT LOUIS, MO 63105 | HARTFORD LIFE AND ACCIDENT | $3K | $265 | $3K | 16.34% |
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 | 4,943 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 461 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 2 | $58K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 2 | $58K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 3,893 | $599K |
| Life insurance(3 contracts) | HARTFORD LIFE AND ACCIDENT | 5,355 | $2.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 5,354 | $1.5M |
| Other(5 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,943 | $988K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,355 | — |
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.