| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 LOCKBOX #28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | $140K | $23K | $164K | 11.00% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE COMPANY | $24K | — | $24K | 2.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 741909 ATLANTA, GA 30374 | RELIASTAR LIFE INSURANCE COMPANY | $49K | — | $49K | 8.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | 335 MADISON AVE FL 20 NEW YORK, NY 10017 | RELIASTAR LIFE INSURANCE COMPANY | — | $31K | $31K | 5.00% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 LOCKBOX #28852 NEW YORK, NY 10087 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 10.05% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.98% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS PERRIN FORSTER & CROSBY INC | 1 HOUSTON CENTER 1221 MCKINNEY SUITE 2500 HOUSTON, TX 77010 | HARTFORD LIFE AND ACCIDENT INSURANCE | $209 | $45 | $254 | 18.19% |
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 | 789 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 818 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE COMPANY | 124 | $968K |
| Dental(2 contracts) | AETNA LIFE INSURANCE COMPANY | 124 | $968K |
| Vision(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,598 | $1.1M |
| Life insurance | AETNA LIFE INSURANCE CO. | 1,547 | $1.5M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 1,547 | $1.5M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 706 | $618K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,547 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,598 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.