| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | COMMISSIONS LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS | 15 CHENELL DRIVE CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.57% |
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 | 301 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND | 301 | $94K |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 304 | $0 |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 213 | $105K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 213 | $105K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 59 | $46K |
| Prescription drug | HEALTH NEW ENGLAND | 301 | $94K |
| Stop-loss / reinsurancereinsurance | HEALTH NEW ENGLAND | 301 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.