| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $50K | — | $50K | 7.41% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST BUFFALO, NY 14204 | HARTFORD LIFE AND ACCIDENT | — | $25K | $25K | 3.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON - PHILADELPHIA, PA | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $9K | — | $9K | 8.10% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION-EXCHANGE | 199 SCOTT ST, 8TH FL BUFFALO, NY 14204 | EYEMED VISION CARE | $4K | — | $4K | 4.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON - PHILADELPHIA, PA | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $6K | — | $6K | 8.07% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION-EXCHANGE | 199 SCOTT ST, 8TH FL BUFFALO, NY 14204 | EYEMED VISION CARE | $3K | — | $3K | 4.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | PO BOX 310502 DES MOINES, IA 503310502 | HYATT LEGAL PLANS | $31K | — | $31K | 78.38% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 737 MAIN STREET BUFFALO, NY 14203 | HYATT LEGAL PLANS | $6K | — | $6K | 16.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON - PHILADELPHIA, PA | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $117 | — | $117 | 9.01% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION-EXCHANGE | 199 SCOTT ST, 8TH FL BUFFALO, NY 14204 | EYEMED VISION CARE | $59 | — | $59 | 4.55% |
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 | 1,969 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 81 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,050 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 458 | $2.8M |
| Vision(3 contracts) | EYEMED VISION CARE | 1,733 | $179K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,970 | $673K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,970 | $673K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,970 | $673K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 458 | $2.8M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,970 | $729K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,970 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.