| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX PO BOX 28852 NEW YORK, NY 100878852 | UNITED HEALTHCARE INSURANCE COMPANY | $173K | — | $173K | 7.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $72K | — | $72K | 6.74% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 1.66% |
| IMG5 | 2960 NORTH MERIDIAN ST INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $786 | $786 | 0.07% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $16K | $16K | 1.51% |
| CETERA ADVISOR NETWORKS LLC3 | 200 N SEPULVEDA BLVD STE 12000 EL SEGUNDO, CA 902455605 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | — | $41K | 4.34% |
| CETERA ADVISOR NETWORKS LLC3 | 200 N SEPULVEDA BLVD STE 12000 ATTN COMMISSION DEPARTMENT EL SEGUNDO, CA 902455605 | METROPOLITAN LIFE INSURANCE COMPANY | $580 | — | $580 | 0.06% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX PO BOX 28852 NEW YORK, NY 10087 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $3K | $3K | 0.49% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 1.53% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $6K | $41K | 14.45% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15K | $15K | 5.34% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.86% |
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUS.COM INC | DEPT. 3383 PO BOX 123383 DALLAS, TX 75312 | METLIFE LEGAL PLANS | — | $4K | $4K | 1.52% |
| THOMAS M FALVEY | 1146 BRADFORD DRIVE POINT PLEASANT, NJ 08742 | GENWORTH LIFE INSURANCE COMPANY | $6K | — | $6K | 5.04% |
| B & M BROKERAGE SERVICES LLC | 2101 HIGHWAY 34, #B WALL, NJ 07719 | GENWORTH LIFE INSURANCE COMPANY | $6K | — | $6K | 4.89% |
| BRUCE R PETRIE | 2626 REDDINGTON RD HELLERTOWN, PA 18055 | GENWORTH LIFE INSURANCE COMPANY | $6K | — | $6K | 4.89% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET, 7TH FLOOR NEW YORK, NY 102811003 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $9K | — | $9K | 25.00% |
| THOMAS M FALVEY | 1146 BRADFORD DRIVE POINT PLEASANT, NJ 08742 | GENWORTH LIFE INSURANCE COMPANY | $202 | — | $202 | 4.11% |
| B & M BROKERAGE SERVICES LLC | 2101 HIGHWAY 34, #B WALL, NJ 07719 | GENWORTH LIFE INSURANCE COMPANY | $196 | — | $196 | 3.99% |
| BRUCE R PETRIE | 2626 REDDINGTON RD HELLERTOWN, PA 18055 | GENWORTH LIFE INSURANCE COMPANY | $196 | — | $196 | 3.99% |
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 | 3,662 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 151 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 48 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,861 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 3,303 | $2.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 45 | $476K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 45 | $476K |
| Life insurance(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,662 | $2.1M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,557 | $1.1M |
| Other(10 contracts, 9 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,755 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,755 | — |
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.