| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 905643 CHARLOTTE, NC 28290 | RELIASTAR LIFE INSURANCE COMPANY | $41K | — | $41K | 8.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | RELIASTAR LIFE INSURANCE COMPANY | $33K | — | $33K | 6.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 101162 PASADENA, CA 91189 | RELIASTAR LIFE INSURANCE COMPANY | — | $30K | $30K | 6.00% |
| RINGMASTER INSURANCE AGENCY LLC3 | 5200 TOWN CENTER CIR STE 540 BOCA RATON, FL 33486 | RELIASTAR LIFE INSURANCE COMPANY | — | $1K | $1K | 0.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | PO BOX 210583 DALLAS, TX 75211 | HARTFORD LIFE AND ACCIDENT | $30K | — | $30K | 12.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 801 S FIGUEROA STREET LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 1.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | PO BOX 13784 NEWARK, NJ 07188 | VISION SERVICE PLAN | $4K | — | $4K | 12.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE LOOMIS COMPANY EIN 23-2238132 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $114K |
| WILLIS OF MARYLAND, INC EIN 52-0559369 NONE | Contract Administrator; Insurance brokerage commissions and fees; Direct payment from the plan Service code 13 | — | $81K |
| CIGNA EIN 35-2029627 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $59K |
| HINES & ASSOCIATES EIN 36-3545085 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $9K |
| TELADOC INC. EIN 04-3705970 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $5K |
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 | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 199 | $30K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 268 | $244K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 268 | $244K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 268 | $244K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 352 | $497K |
| Other | HARTFORD LIFE AND ACCIDENT | 268 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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.