| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 1 PPG PL STE 600 PITTSBURGH, PA 15222 | UNITEDHEALTHCARE INSURANCE COMPANY | $1.3M | — | $1.3M | 2.77% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CTR CHICAGO, IL 60694 | UNITEDHEALTHCARE INSURANCE COMPANY | $46K | $355 | $46K | 0.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 1001 LAKESIDE AVE CLEVELAND, OH 44114 | HARTFORD LIFE AND ACCIDENT | $528K | — | $528K | 12.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 801 S FIGUEROA STREET SUITE 800 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $56K | $56K | 1.31% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | ONE WORLD FINANCIAL CENTER NEW YORK, NY 10281 | DELTA DENTAL OF KENTUCKY | $74K | — | $74K | 4.13% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CTR CHICAGO, IL 60694 | DELTA DENTAL OF KENTUCKY | $6K | — | $6K | 0.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | ONE PPG PLACE, FLOOR 10 PITTSBURGH, PA 15222 | GEISINGER QUALITY OPTIONS, INC. | $52K | — | $52K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 404 LIBERTY AVE., 4 GATEWAY CENTER SUITE 505 PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $47K | — | $47K | 2.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 4557 NEW YORK, NY 10249 | AETNA LIFE INSURANCE CO. | $11K | — | $11K | 4.04% |
| HEWITT INSURANCE BROKERAGE LLC3 Filed as: HEWITT INSURANCE BROKERAGE | 39030 TREASURY CENTER CHICAGO, IL 60694 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 1.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 32090 NEW YORK, NY 10087 | VISION SERVICE PLAN | $16K | — | $16K | 7.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $2K | $13K | 6.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 32090 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $1K | $8K | 3.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | JP MORGAN CHASE P.O. BOX 4557 NEW YORK, NY 10249 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $8K | — | $8K | 6.27% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | ONE LIBERTY PLAZA 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | FEDERAL INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| AON CONSULTING INC3 Filed as: HEWITT INS BROKERAGE LLC | 39030 TREASURY CTR CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | — |
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 | 5,170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 99 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 63 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 4,834 | $51.3M |
| Dental(6 contracts, 5 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 4,834 | $50.3M |
| Vision(5 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 4,834 | $48.4M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,893 | $4.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,893 | $4.2M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 5,170 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,170 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.