| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | 306 WEST ERIE STREET FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA (LIFE INSURANCE) | — | $21K | $21K | 1.50% |
| B&B INSURANCE AGENCY OF VA INC.3 | 11220 ASSET LOOP SUITE 304 MANASSAS, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA (LIFE INSURANCE) | — | $15K | $15K | 1.06% |
| BROWN & BROWN INSURANCE SERVICES3 | PO BOX 749140 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA (LONG TERM DISABILITY) | — | $24K | $24K | 2.17% |
| THREEFLOW3 | 306 W. ERIE STREET SUITE 300 CHICAGO, IL 60654 | EYEMED VISION CARE | $4K | — | $4K | 1.15% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | 306 WEST ERIE STREET FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA (ACCIDENTAL DEATH) | — | $3K | $3K | 1.50% |
| B&B INSURANCE AGENCY OF VA INC.3 | 11220 ASSET LOOP SUITE 304 MANASSAS, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA (ACCIDENTAL DEATH) | — | $3K | $3K | 1.44% |
| THREEFLOW3 | 306 W. ERIE STREET SUITE 300 CHICAGO, IL 60654 | EYEMED VISION CARE | $57 | — | $57 | 1.14% |
| BROWN & BROWN INSURANCE SERVICES3 | PO BOX 749140 ATLANTA, GA 30374 | FIRST UNUM LIFE INSURANCE COMPANY (LONG TERM DISABILITY) | — | $27 | $27 | 1.98% |
| B&B INSURANCE AGENCY OF VA INC.3 | 11220 ASSET LOOP SUITE 304 MANASSAS, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA (BUSINESS TRAVEL ACCIDENT) | — | $183 | $183 | 67.28% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 W. ERIE STREET FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA (BUSINESS TRAVEL ACCIDENT) | — | $4 | $4 | 1.47% |
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 | 3,770 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 262 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,032 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE | 6,277 | $388K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA (LIFE INSURANCE) | 3,490 | $1.6M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA (LONG TERM DISABILITY) | 3,051 | $1.1M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA (BUSINESS TRAVEL ACCIDENT) | 3,770 | $272 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,277 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.