| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON LLC | P.O. BOX 28852, LOCKBOX 28852 NEW YORK, NY 100878852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $62 | $62 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852, LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $5K | $6K | 2.43% |
| WILLIS TOWERS WATSON US LLC3 | 800 N. GLEBE ROAD ARLINGTON, VA 22203 | DELTA DENTAL OF PENNSYLVANIA | $11K | — | $11K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. (MD) | 29840 NETWORK PLACE CHICAGO, IL 60673 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | — | $1 | $1 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10281 | 4 EVER LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852, LOCKBOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $165 | $3K | 16.31% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST 8TH FLOOR BUFFALO, NY 14204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $219 | — | $219 | 1.25% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852, LOCKBOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 13.34% |
| WILLIS TOWERS WATSON US LLC3 | 75 ARLINGTON STREET, FLOOR BOSTON, MA 02116 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $888 | $213 | $1K | 8.68% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10281 | 4 EVER LIFE INS CO | $917 | — | $917 | 10.00% |
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY HEALTH INS. SERVICES, LLC | 20 COMMERCE WAY STE 800, PNC BANK C/O FMR LLC LOCKBOX NUMBER 844303 WOBURN, MA 018018504 | METLIFE LEGAL PLANS | $336 | — | $336 | 10.01% |
| WILLIS TOWERS WATSON US LLC3 | 800 N GLEBE RD, 10TH FLOOR ARLINGTON, VA 22203 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $88 | $19 | $107 | 8.56% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $3.6M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 0 | $262K |
| Vision(3 contracts, 3 carriers) | 4 EVER LIFE INSURANCE COMPANY | 0 | $80K |
| Life insurance | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 0 | $265K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 0 | $265K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 0 | $265K |
| Other(11 contracts, 6 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 0 | $359K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.