| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | RELIASTAR LIFE INSURANCE COMPANY | $156K | $166K | $321K | 4.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | COMMISSION LOCK BOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $63K | $75K | $139K | 3.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCK BOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $48K | — | $48K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES - NY | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LEGAL ACCESS CONSULTING, LLC | — | $71K | $71K | 10.00% |
| US NATIONAL BENEFIT PARTNERS WEST3 | 99 WOOD AVE. SOUTH SUITE 501 ISELIN, NJ 08830 | LEGAL ACCESS CONSULTING, LLC | — | $14K | $14K | 2.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 8500 LOCK BOX 9102 PHILADELPHIA, PA 191788500 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5K | $1K | $6K | 6.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | P.O. BOX 8500 LOCK BOX 9102 PHILADELPHIA, PA 191788500 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $141 | $2K | 15.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $128 | $128 | — |
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 | 27,715 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 355 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 28,070 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 20,501 | $3.4M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 47,295 | $6.6M |
| Long-term disability(3 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 23,496 | $3.7M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 46,345 | $955K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 47,295 | $7.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 47,295 | — |
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.