| 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 | $9K | $51K | $60K | 4.44% |
| 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 | 8.34% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852, P.O. BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | — | $222 | $222 | 0.58% |
| 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 | 8.68% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852, P.O. BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | — | $193 | $193 | 0.56% |
| 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 | 13.77% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852, P.O. BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | — | $121 | $121 | 0.43% |
| 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 | $6K | — | $6K | 29.78% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852, P.O. BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | — | $85 | $85 | 0.44% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $1.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $1.4M |
| Life insurance | STANDARD INSURANCE COMPANY | 150 | $38K |
| Short-term disability | STANDARD INSURANCE COMPANY | 150 | $34K |
| Long-term disability | STANDARD INSURANCE COMPANY | 150 | $28K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $1.4M |
| Other(3 contracts) | STANDARD INSURANCE COMPANY | 150 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.