| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND | 12505 PARK POTOMAC AVE SUITE 300 POTOMAC, MD 20854 | AETNA HEALTH & HUMAN RESOURCE CENTER | $39K | $3K | $42K | 4.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND | PO BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $301 | $21K | 5.84% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $226 | — | $226 | 0.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND | PO BOX 13784 NEWARK, NJ 07188 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | — | $23K | 8.99% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF MARYLAND | PO BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $161 | $15K | 5.88% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $114 | — | $114 | 0.05% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF MARYLAND | PO BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $159 | $12K | 5.89% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $80 | — | $80 | 0.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND | PO BOX 13784 NEWARK, NJ 07188 | VISION SERVICE PLAN | $4K | — | $4K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND | PO BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $902 | $16 | $918 | 4.49% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19 | — | $19 | 0.09% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE M MCCULLUGH | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND | PO BOX 13784 NEWARK, NJ 07188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $932 | — | $932 | 5.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND | PO BOX 13784 NEWARK, NJ 07188 | MONUMENTAL LIFE INSURANCE COMPANY | $831 | — | $831 | 4.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND | PO BOX 13784 NEWARK, NJ 07188 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $387 | — | $387 | 3.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND | 12505 PARK POTOMAC AVE POTOMAC, MD 20874 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 29.57% |
| THOMAS C SMITH3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 10.15% |
| ASHLEY L. DEMATTEO3 Filed as: ASHLEY DEMATTEO | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND | PO BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1 | $1 | 0.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND | PO BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $186 | — | $186 | 11.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND | PO BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39 | — | $39 | 6.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND | PO BOX 13784 NEWARK, NJ 07188 | MONUMENTAL LIFE INSURANCE COMPANY | $92 | — | $92 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATION | Contract Administrator Service code 13 | 155 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $532K |
| NETWORK ADMINISTRATORS D/B/A GSA EIN 11-3335620 ADMIN SUPPORT SERVICES | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Plan Administrator Service code 14 | 888 VETERANS MEMORIAL HWY SUITE 540 HAUPPAUGE, NY 11788 | $236K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS PROCESSING | Participant communication; Float revenue; Named fiduciary; Claims processing; Other services; Direct payment from the plan; Contract Administrator; Non-monetary compensation Service code 12 | 111 S CALVERT ST SUITE 1600 BALTIMORE, MD 21202 | $27K |
| FRYE & COMPANY, CPAS EIN 45-4199441 PLAN AUDITOR | Accounting (including auditing) Service code 10 | 9161 LIBERIA AVENUE SUITE 304 MANASSAS, VA 20110 | $21K |
| AETNA BEHAVIORAL HEALTH, LLC EIN 33-0052276 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 155 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $0 |
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 | 1,246 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH & HUMAN RESOURCE CENTER | 514 | $1.1M |
| Dental(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 53 | $484K |
| Vision | VISION SERVICE PLAN | 1,154 | $86K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $379K |
| Short-term disability(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $256K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 15 | $230K |
| Prescription drug(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 24 | $283K |
| Other(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 15 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,154 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.