| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | PO BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $678 | $15K | 15.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | 225 SCHILLING CIRCLE, STE 150 HUNT VALLEY, MD 210311126 | TRANSAMERICA LIFE INSURANCE COMPANY | $695 | — | $695 | 1.66% |
| GROUP LTC BENEFITS LLC3 | 43766 SMITH FERRY SQ. LEESBURG, VA 201768415 | TRANSAMERICA LIFE INSURANCE COMPANY | $660 | — | $660 | 1.57% |
| JOE PULITANO AGENCY, INC.3 Filed as: JOE PULITANO AGENCY INC. | 214 LINCOLN ST, STE 110 ALLSTON, MA 021341348 | TRANSAMERICA LIFE INSURANCE COMPANY | $479 | — | $479 | 1.14% |
| TRANSAMMERICA WORKSITE MARKETING3 | PO BOX 8063 LITTLE ROCK, AR 722038063 | TRANSAMERICA LIFE INSURANCE COMPANY | $85 | — | $85 | 0.20% |
| DEREK MIELE3 | 214 LINCOLN ST, STE 110 ALLSTON, MA 021341348 | TRANSAMERICA LIFE INSURANCE COMPANY | $33 | — | $33 | 0.08% |
| JAMES J. SHEA3 | 214 LINCOLN ST, STE 110 ALLSTON, MA 021341348 | TRANSAMERICA LIFE INSURANCE COMPANY | $30 | — | $30 | 0.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | PO BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $258 | $4K | 11.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | PO BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $267 | $4K | 10.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | PO BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $652 | $34 | $686 | 15.78% |
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 | 260 | 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) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 260 | $36K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 260 | $98K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 260 | $37K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 260 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.