| 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. | $128K | $27K | $154K | 11.39% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 LOCKBOX #28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | — | $37K | $37K | 2.74% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 LOCKBOX #28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | — | $7K | $7K | 0.53% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 LOCKBOX #28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE COMPANY | $41K | — | $41K | 9.22% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 LOCKBOX #28852 NEW YORK, NY 10087 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 10.07% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC. | PO BOX 28852 LOCKBOX #28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT INSURANCE | $238 | $28 | $266 | 16.79% |
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 | 649 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 673 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 537 | $99K |
| Life insurance | AETNA LIFE INSURANCE CO. | 1,248 | $1.4M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 1,248 | $1.4M |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 571 | $446K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,248 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,248 | — |
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.