| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 100 MATSONFORD RD, SUITE 200 WAYNE, PA 19087 | HARTFORD LIFE AND ACCIDENT | $17K | — | $17K | 2.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE WEST | 801 S FIGUEROA ST, SUITE 800 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 1.74% |
| FENNELL HOLDINGS INC3 | 1501 REEDSDALE ST. SUITE 304 PITTSBURGH, PA 15233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $8K | $29K | 7.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET NEW YORK, NY 102810000 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $10K | — | $10K | 4.29% |
| FENNELL HOLDINGS INC3 | 1501 REEDSDALE ST. SUITE 304 PITTSBURGH, PA 15233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48K | $5K | $53K | 22.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 905432 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $1K | $20K | 10.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR, STE 2000 CHICAGO, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 6.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 11TH FL, 425 N MARTINGALE RD SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WASTON NORTHEAST INC | 401 LIBERTY AVENUE FL 22 PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 10.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA | 444 LIBERTY AVENUE, SUITE 505 PITTSBURGH, PA 15222 | ZURICH AMERICAN INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WASTON NORTHEAST INC | 200 LIBERTY STREET NEW YORK, NY 102810000 | FEDERAL INSURANCE COMPANY | $17K | — | $17K | 25.00% |
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 | 4,826 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,834 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 4 | $22K |
| Dental | AETNA LIFE INSURANCE COMPANY | 4 | $22K |
| Vision(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,619 | $267K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,929 | $627K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,527 | $657K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,826 | $456K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,826 | — |
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.