| 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 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $61K | — | $61K | 9.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHWEST INC | PO BOX 13784 NEWARK, NJ 07188 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $51K | — | $51K | 10.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | P O BOX 13784 NEWARK, NJ 071880001 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $10K | — | $10K | 1.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC | PO BOX 13784 NEWARK, NJ 071880784 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 13784 NEWARK, NJ 07188 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $52K | — | $52K | 14.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHWEST, INC | PO BOX 13784 NEWARK, NJ 071880001 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 12505 PARK POTOMAC AVENUE 300 POTOMAC, MD 20854 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $7K | — | $7K | 3.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 13784 NEWARK, NJ 07188 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $9K | — | $9K | 10.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | P O BOX 13784 NEWARK, NJ 07188 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $7K | — | $7K | 8.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | P O BOX 13784 NEWARK, NJ 07188 | CIGNA HEALTH & LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC | 600 GRANT ST PITTSBURGH, PA 15219 | UPMC HEALTH PLAN | $39K | — | $39K | 57.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 13784 NEWARK, NJ 07188 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $6K | — | $6K | 10.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC | PO BOX 13784 NEWARK, NJ 071880001 | LEGALEASE | — | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC | 26 CENTURY BLVD C/O JP MORGAN CHASE NASHVILLE, TN 372143685 | LEGALEASE | — | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHWEST INC | PO BOX 13784 NEWARK, NJ 071883784 | LEGALEASE | — | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHWEST INC | PO BOX 13784 NEWARK, NJ 071883784 | LEGALEASE | — | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD C/O JP MORGAN CHASE NASHVILLE, TN 372143685 | LEGALEASE | — | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHWAST, INC | PO BOX 13784 NEWARK, NJ 071883784 | LEGALEASE | — | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD C/O JP MORGAN CHASE NASHVILLE, TN 372143685 | LEGALEASE | — | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 13784 NEWARK, NJ 071880001 | HARTFORD ACCIDENT AND LIFE INSURANCE CO | $1K | — | $1K | 7.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 13784 NEWARK, NJ 07188 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $413 | — | $413 | 11.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 13784 NEWARK, NJ 07188 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $137 | — | $137 | 13.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 13784 NEWARK, NJ 071883784 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 13784 NEWARK, NJ 07188 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $96 | — | $96 | 15.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 13784 NEWARK, NJ 071883784 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | — |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC | 26 CENTURY BLVD C/O JP MORGAN CHASE NASHVILLE, TN 372143685 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11K | $11K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATION | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $11.8M |
| CBIZ BENEFITS & INSURANCE SERVICES EIN 31-1582098 ADMIN SUPPORT SERVICES | Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 14 | 175 S MAIN STREET SUITE 720 SALT LAKE CITY, UT 84111 | $276K |
| UPMC BENEFIT MANAGEMENT SERVICES EIN 25-1769564 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 600 GRANT STREET PITTSBURGH, PA 15219 | $121K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS PROCESSING | Direct payment from the plan; Named fiduciary; Claims processing; Other services; Participant communication; Float revenue; Non-monetary compensation; Contract Administrator Service code 12 | 111 S CALVERT ST SUITE 1600 BALTIMORE, MD 21202 | $60K |
| FRYE & COMPANY, CPAS EIN 45-4199441 PLAN AUDITOR | Accounting (including auditing) Service code 10 | 9161 LIBERIA AVENUE SUITE 304 MANASSAS, VA 20110 | $41K |
| AETNA BEHAVIORAL HEALTH, LLC EIN 06-6033492 CONTRACT ADMINISTRATION | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $27K |
| HEATLH & HUMAN RESOURCES CENTER INC EIN 33-0052273 CONTRACT ADMINISTRATION | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $9K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CLAIMS PROCESSING | Contract Administrator Service code 13 | 501 US HIGHWAY 22 2ND FLOOR-WEST BRIDGEWATER, NJ 08807 | $0 |
| UPMC BENEFIT MANAGEMENT EIN 25-1769564 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 600 GRANT STREET PITTSBURGH, PA 15219 | $0 |
| VISION SERVICE PLAN EIN 23-7089668 CLAIMS PROCESSING | Non-monetary compensation; Other services; Direct payment from the plan; Contract Administrator; Claims processing; Named fiduciary; Participant communication; Float revenue Service code 12 | 3333 QUALITY DR RANCHO CORDOVA, CA 95670 | $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 | 1,983 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,983 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 78 | $1.0M |
| Dental(4 contracts, 3 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 535 | $1.1M |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 1,230 | $562K |
| Life insurance(6 contracts, 2 carriers) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 0 | $920K |
| Short-term disability(5 contracts, 2 carriers) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 0 | $134K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Prescription drug | UPMC HEALTH PLAN | 391 | $325K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,054 | $1.5M |
| Other(5 contracts, 4 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 535 | $758K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,230 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.