| 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 | PRINCIPAL LIFE INSURANCE COMPANY | $81K | — | $81K | 10.00% |
| 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 | $12K | — | $12K | 11.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 LIBERTY ST, 6TH FL. NEW YORK, NY 10281 | COMPBENEFITS | $3K | — | $3K | 2.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS. SERVICES OF GA INC. | 1 GLENLAKE PKWY, 11TH FL. ATLANTA, GA 30328 | COMPBENEFITS | — | $266 | $266 | 0.25% |
| CUNDY, INC.3 | 4345 E. TRADEWINDS AVE LAUDERDALE BY THE SEA, FL 33308 | FEDERAL INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 LIBERTY ST, 6TH FL. NEW YORK, NY 10281 | HUMANA INSURANCE COMPANY | $868 | — | $868 | 3.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS. SERVICES OF GA INC. | 1 GLENLAKE PKWY, 11TH FL. ATLANTA, GA 30328 | HUMANA INSURANCE COMPANY | — | $22 | $22 | 0.08% |
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 | 2,095 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMPBENEFITS | 420 | $108K |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,992 | $138K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 2,095 | $806K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,095 | $806K |
| Other | FEDERAL INSURANCE COMPANY | 2,095 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,095 | — |
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.