| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WASTON US LLC | P.O. BOX 28852 NEW YORK, NY 10087 | SUN LIFE ASSURANCE CO OF CANADA | $26K | $0 | $26K | 5.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE EIN 36-2739571 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | — | $1.1M |
| SUN LIFE INSURANCE EIN 38-1082080 INSURANCE SERVICES | Insurance services Service code 23 | — | $511K |
| EXPRESS SCRIPTS EIN 22-3461740 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | — | $140K |
| TOWERS WATSON EIN 27-0676603 ACTUARY | Actuarial Service code 11 | — | $97K |
| HEALTH EQUITY INC EIN 52-2383166 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | — | $29K |
| GROOM LAW GROUP EIN 52-1219029 LEGAL | Legal Service code 29 | — | $25K |
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 | 1,606 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,641 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE CO OF CANADA | 1,442 | $480K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,442 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.