| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | PO BOX 13784 NEWARK, NJ 07188 | AETNA LIFE INSURANCE CO. | — | $27K | $27K | 0.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | PO BOX 13784 NEWARK, NJ 07188 | AETNA LIFE INSURANCE CO. | $12K | — | $12K | 0.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC | 12505 PARK POTOMAC AVE POTOMAC, MD 20854 | AETNA LIFE INSURANCE CO. | $6K | — | $6K | 0.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 12505 PARK POTOMAC AVE STE 300 POTOMAC, MD 20854 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $26K | $13K | $40K | 8.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 225 SCHILLING CIRCLE SUITE 150 HUNT VALLEY, MD 21031 | EYEMED VISION CARE ON B/O THE FIDELITY SECURITY LIFE INS. CO. | $3K | — | $3K | 5.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS HRH-HUNT VALLEY, MD | 225 SCHILLING CIRCLE STE 150 HUNT VALLEY, MD 21031 | EYEMED VISION CARE ON B/O THE FIDELITY SECURITY LIFE INS. CO. | $1K | — | $1K | 1.86% |
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 | 896 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 909 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 0 | $9.2M |
| Dental | AETNA LIFE INSURANCE CO. | 0 | $9.2M |
| Vision | EYEMED VISION CARE ON B/O THE FIDELITY SECURITY LIFE INS. CO. | 982 | $55K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 858 | $448K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 858 | $448K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 858 | $448K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 858 | $448K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 982 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.