| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | STANDARD INSURANCE COMPANY | $113K | $246K | $359K | 2.17% |
| AMERICAN BEN. AND COMP. SYS. INC.3 Filed as: AMERICAN BEN AND COMP SYSTEMS | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | STANDARD INSURANCE COMPANY | — | $112K | $112K | 0.68% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | STANDARD INSURANCE COMPANY | $16K | $49K | $65K | 1.91% |
| AMERICAN BEN. AND COMP. SYS. INC.3 Filed as: AMERICAN BEN AND COMP SYSTEMS | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | STANDARD INSURANCE COMPANY | — | $18K | $18K | 0.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 911891162 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 0.23% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $230K | $22K | $252K | 23.31% |
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 | 39,418 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 198 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,347 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 40,963 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE CO | 177 | $3.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE CO | 115 | $1.6M |
| Vision | VISION SERVICE PLAN | 25,816 | $4.5M |
| Life insurance | STANDARD INSURANCE COMPANY | 39,418 | $16.5M |
| Long-term disability | STANDARD INSURANCE COMPANY | 18,007 | $3.4M |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 39,418 | $19.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 39,418 | — |
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.