| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SE | 214 N. TRYON STREET, STE 2500 CHARLOTTE, NC 28202 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 7.31% |
| NEBCO3 | — | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SE | 29727 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE (FIDELITY SECURITY LIFE INSURANCE COMPANY) | $917 | — | $917 | 10.89% |
| MITCHELL HENRY BESVINICK3 | 1280 BRIGHTON WAY NEWTON SQUARE, PA 19073 | EYEMED VISION CARE (FIDELITY SECURITY LIFE INSURANCE COMPANY) | — | $459 | $459 | 5.45% |
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 | 82 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 82 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA LIFE INSURANCE COMPANY | 59 | $66K |
| Dental | TRANSAMERICA LIFE INSURANCE COMPANY | 59 | $66K |
| Vision | EYEMED VISION CARE (FIDELITY SECURITY LIFE INSURANCE COMPANY) | 98 | $8K |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 59 | $66K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 59 | $66K |
| Prescription drug | TRANSAMERICA LIFE INSURANCE COMPANY | 59 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 98 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.