| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 225 SCHILLING CIRCLE, STE 150 HUNT VALLEY, MD 21031 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $48K | — | $48K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $5K | — | $5K | 1.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 225 SCHILLING CIRCLE, STE 150 HUNT VALLEY, MD 21031 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $27K | — | $27K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 225 SCHILLING CIRCLE, STE 150 HUNT VALLEY, MD 21031 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $15K | — | $15K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND | 307 INTERNATIONAL CIRCLE, 4TH FL. COCKEYSVILLE, MD 21030 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | — | $9K | 13.45% |
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 | 916 | 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) | 916 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 271 | $2.1M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 497 | $64K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,013 | $322K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 903 | $178K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 903 | $100K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 271 | $2.1M |
| Other | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,013 | $322K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,013 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.