| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $78K | $25K | $103K | 6.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $108K | $35K | $144K | 16.79% |
| WILLIS TOWERS WATSON US LLC3 | 75 ARLINGTON STREET FLOOR 10 BOSTON, MA 02116 | HARTFORD LIFE AND ACCIDENT | $10K | $3K | $13K | 6.63% |
| WILLIS TOWERS WATSON US LLC3 | 101 SOUTH HANLEY ROAD STE 900 SAINT LOUIS, MO 63105 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $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 | 4,801 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 294 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,095 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 1 | $30K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 1 | $30K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 3,813 | $583K |
| Life insurance(3 contracts) | HARTFORD LIFE AND ACCIDENT | 5,095 | $2.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,795 | $1.6M |
| Other(5 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,845 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,095 | — |
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."
No prospect flags tripped on this filing.