| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | 225 SCHILLING CIRCLE, STE 150 HUNT VALLEY, MD 21031 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.17% |
| JAMES J. SHEA3 | 313 WASHINGTON ST, STE 225 NEWTON, MA 02458 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.68% |
| JOE PULITANO AGENCY, INC.3 Filed as: JOE PULITANO AGENCY INC. | 313 WASHINGTON ST, STE 225 NEWTON, MA 02458 | TRANSAMERICA LIFE INSURANCE COMPANY | $868 | — | $868 | 1.38% |
| GROUP LTC BENEFITS LLC3 | 43766 SMITH FERRY SQ. LEESBURG, VA 20176 | TRANSAMERICA LIFE INSURANCE COMPANY | $277 | — | $277 | 0.44% |
| TRANSAMERICA AGENCYNETWORK, INC.3 Filed as: TRANSAMERICA WORKSITE MARKETING | PO BOX 8063 LITTLE ROCK, AR 72203 | TRANSAMERICA LIFE INSURANCE COMPANY | $184 | — | $184 | 0.29% |
| DEREK MIELE3 | 313 WASHINGTON ST, STE 225 NEWTON, MA 02458 | TRANSAMERICA LIFE INSURANCE COMPANY | $37 | — | $37 | 0.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | PO BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $736 | $3K | 19.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | PO BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $302 | $278 | $580 | 9.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | PO BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $590 | $272 | $862 | 14.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | PO BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $149 | $30 | $179 | 18.03% |
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 | 295 | 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) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 295 | $6K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 295 | $16K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 295 | $6K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 295 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.