| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 75 ARLINGTON STREET FLOOR 10 BOSTON, MA 02116 | STANDARD INSURANCE COMPANY | $93K | — | $93K | 9.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY ST NEW YORK, NY 10281 | STANDARD INSURANCE COMPANY | — | $6K | $6K | 0.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 75 ARLINGTON STREET FLOOR 10 BOSTON, MA 02116 | STANDARD INSURANCE COMPANY | $60K | — | $60K | 9.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY ST NEW YORK, NY 10281 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 0.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 75 ARLINGTON STREET FLOOR 10 BOSTON, MA 02116 | STANDARD INSURANCE COMPANY | $43K | — | $43K | 9.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY ST NEW YORK, NY 10281 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 0.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | PO BOX 13056 NEWARK, NJ 07188 | RELIASTAR LIFE INSURANCE COMPANY | $40K | — | $40K | 16.95% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES, INC | 9009 WEST LOOP S STE 600 HOUSTON, TX 77096 | RELIASTAR LIFE INSURANCE COMPANY | — | $9K | $9K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 4557 NEW YORK, NY 10249 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 4557 NEW YORK, NY 10249 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.00% |
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 | 1,861 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 32 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,926 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,861 | $1.0M |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,744 | $645K |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,048 | $465K |
| Other(5 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,861 | $471K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,048 | — |
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.