| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 LIBERTY ST NEW YORK, NY 10281 | UNITEDHEALTHCARE INSURANCE COMPANY | $142K | — | $142K | 2.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | ONE WORLD FINANCIAL CNTR 200 LIBERTY STREET, 6TH FLOOR NEW YORK, NY 10281 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $20K | $848 | $21K | 4.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | 1 WORLD FINANCIAL CENTER 200 LIBERTY STREET, 6TH FLOOR NEW YORK, NY 10281 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $53 | — | $53 | 0.02% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $2K | — | $2K | 3.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 1 WORLD FINANCIAL CENTER 200 LIBERTY STREET NEW YORK, NY 10281 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 9.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | LOCKBOX 28852, P.O. BOX 28852 NEW YORK, NY 10087 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $609 | — | $609 | 1.21% |
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 | 532 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 539 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,051 | $6.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 701 | $507K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,102 | $50K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 532 | $331K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 532 | $331K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 532 | $331K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 532 | $331K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,102 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.