| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $194K | — | $194K | 13.57% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852, P.O. BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | — | $25K | $25K | 1.73% |
| 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 | $88K | — | $88K | 13.70% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852, P.O. BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | — | $10K | $10K | 1.53% |
| 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 | $83K | — | $83K | 13.64% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852, P.O. BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | — | $9K | $9K | 1.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | P.O. BOX 13056 NEWARK, NJ 07188 | RELIASTAR LIFE INSURANCE COMPANY | $29K | — | $29K | 16.44% |
| EMPYREAN INSURANCE SERVICES, INC.3 | 9009 WEST LOOP S, STE 600 HOUSTON, TX 77096 | RELIASTAR LIFE INSURANCE COMPANY | — | $6K | $6K | 3.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | P.O. BOX 4557 NEW YORK, NY 10249 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $2K | $12K | 10.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | P.O. BOX 4557 NEW YORK, NY 10249 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $908 | $11K | 10.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | P.O. BOX 4557 NEW YORK, NY 10249 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $220 | $2K | 11.24% |
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 | 2,002 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,002 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 2,145 | $1.4M |
| Short-term disability | STANDARD INSURANCE COMPANY | 2,040 | $609K |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,044 | $643K |
| Other(5 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,002 | $534K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,145 | — |
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.