| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | ONE WORLD FINANCIAL CTR 200 LIBERTY ST, 6TH FL. NEW YORK, NY 10281 | BLUECROSS BLUESHIELD OF TEXAS | $153K | $6K | $159K | 2.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | BROOKFIELD PLACE 200 LIBERTY STREET NEW YORK, NY 10281 | DEARBORN LIFE INSURANCE COMPANY | $102K | — | $102K | 12.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 500 N. AKARD STREET SUITE 4300 DALLAS, TX 75201 | DEARBORN LIFE INSURANCE COMPANY | — | $17K | $17K | 2.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | PO BOX 4557 NEW YORK, NY 10249 | VISION SERVICE PLAN | $5K | — | $5K | 10.56% |
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 | 971 | 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) | 973 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 1,001 | $7.8M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 1,001 | $7.8M |
| Vision | VISION SERVICE PLAN | 528 | $45K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 958 | $791K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 958 | $791K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 958 | $791K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 1,001 | $7.8M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 958 | $791K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,001 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.