| 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 | $360K | $57K | $417K | 5.63% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $2K | — | $2K | 0.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON LLC | PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $62K | $5K | $66K | 21.49% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $58K | $4K | $63K | 21.49% |
| WILLIS TOWERS WATSON US LLC5 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | BCBSM INC | — | $18K | $18K | 6.18% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $45K | $3K | $49K | 21.48% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE & ACCIDENT | $10K | $620 | $10K | 7.98% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | ARAG INSURANCE COMPANY | $13K | $0 | $13K | 12.56% |
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 | 9,688 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,980 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 12,668 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(7 contracts, 2 carriers) | VISION SERVICE PLAN | 3,517 | $644K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 12,016 | $7.4M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 12,016 | $7.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 12,016 | $7.4M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HEALTHPARTNERS/GROUP HEALTH, INC. | 8,807 | $825K |
| Other(5 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 3,738 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,016 | — |
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.