| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | ONE WORLD FINANCIAL CTR 6TH FL 200 LIBERTY ST NEW YORK, NY 10281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 1.35% |
| LUMITY, INC.3 Filed as: LUMITY INC. | 71 EAST 3RD AVENUE SAN MATEO, CA 94401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.60% |
| THE ORIENTATION COMPANY, INC.3 | 5 COWBOYS WAY STE I FRISCO, TX 75034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 5.00% |
| THE ORIENTATION COMPANY, INC.3 | 5 COWBOYS WAY STE I FRISCO, TX 75034 | UNUM INSURANCE COMPANY | $6K | — | $6K | 9.25% |
| LUMITY, INC.3 Filed as: LUMITY | 5214F DIAMOND HEIGHTS BLVD UNIT #1152 SAN FRANCISCO, CA 94131 | UNUM INSURANCE COMPANY | $6K | — | $6K | 8.37% |
| THE ORIENTATION COMPANY, INC.3 | 5 COWBOYS WAY STE I FRISCO, TX 75034 | UNUM INSURANCE COMPANY | $14K | — | $14K | 23.13% |
| LUMITY, INC.3 Filed as: LUMITY | 5214F DIAMOND HEIGHTS BLVD UNIT #1152 SAN FRANCISCO, CA 94131 | UNUM INSURANCE COMPANY | -$3 | — | -$3 | -0.00% |
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 | 976 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,016 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 2,069 | $20.1M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 972 | $200K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 984 | $900K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 984 | $703K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 2,069 | $20.1M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 984 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,069 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.