| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 225 SCHILLING CIR STE 150 HUNT VALLEY, MD 21031 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $41K | $49K | 2.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | PO BOX 13784 NEWARK, NJ 07188 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $21K | $25K | 1.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | PO BOX 13784 NEWARK, NJ 07188 | SUN LIFE ASSURANCE COMPANY OF CANADA | $49K | — | $49K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | SERVICES WEST INC PO BOX 101162 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 13784 NEWARK, NJ 07188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | $3K | $41K | 16.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 225 SCHILLIG CIRCLE, STE 150 HUNT VALLEY, MD 21031 | NATIONAL VISION ADMINISTRATORS, L.L.C.- NGL | $1K | — | $1K | 8.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | 225 SCHILLING CIRCLE HUNT VALLEY, MD 21031 | NATIONAL VISION ADMINISTRATORS, L.L.C.- NGL | $265 | — | $265 | 1.63% |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 479 | $2.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 479 | $2.4M |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C.- NGL | 0 | $16K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 333 | $324K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 336 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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.