| 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 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $16K | $12K | $27K | 4.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | 225 SCHILLING CIRCLE, STE 150 HUNT VALLEY, MD 21031 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $89 | $89 | 1.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LIBERTY LIFE ASSURANCE COMPANY OF B EIN 04-6076039 | Contract Administrator Service code 13 | 175 BERKELEY STREET BOSTON, MA 02116 | $67K |
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 | 1,498 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 795 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,393 | $633K |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 68 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,393 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.