| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | P.O. BOX 4557 NEW YORK, NY 10249 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $58K | $69K | 4.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST, 6TH FL. NEW YORK, NY 10281 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 7.16% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852, P.O. BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | — | $212 | $212 | 0.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST, 6TH FL. NEW YORK, NY 10281 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 7.46% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852, P.O. BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | — | $182 | $182 | 0.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST, 6TH FL. NEW YORK, NY 10281 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 13.95% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852, P.O. BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | — | $124 | $124 | 0.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST, 6TH FL. NEW YORK, NY 10281 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 34.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | — | $127 | $127 | 0.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | STANDARD INSURANCE COMPANY | -$30 | $127 | $97 | 0.51% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852, P.O. BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | — | $3 | $3 | 0.02% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 252 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 252 | $1.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 252 | $1.6M |
| Life insurance | STANDARD INSURANCE COMPANY | 166 | $46K |
| Short-term disability | STANDARD INSURANCE COMPANY | 166 | $41K |
| Long-term disability | STANDARD INSURANCE COMPANY | 166 | $25K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 252 | $1.6M |
| Other(3 contracts) | STANDARD INSURANCE COMPANY | 166 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.