| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: HRH-WILLIS OF MARYLAND INC. | 12505 PARK POTOMAC AVE STE 300 POTOMAC, MD 20854 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $111K | $122K | 2.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | 12505 PARK POTOMAC AVE POTOMAC, MD 20854 | AMERICAN UNITED LIFE INSURANCE COMPANY | $29K | — | $29K | 20.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | PO BOX 13784 NEWARK, NJ 07188 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $393 | $3K | 12.54% |
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 | 1,081 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 50 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,060 | $5.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,060 | $5.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,060 | $5.3M |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,081 | $164K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 151 | $143K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 151 | $143K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,081 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,081 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.