| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $215K | $215K | 2.31% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 25TH FLOOR 99 PARK AVE. NEW YORK, NY 10016 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $67K | — | $67K | 1.55% |
| HARVARD PRINTING GROUP5 | 175 US HIGHTWAY 46 WEST FAIFIELD, NJ 070042327 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $95 | $95 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $71K | $71K | 2.31% |
| ANTHONY ORGERA3 Filed as: ANTHONY AZIZ | WILLIS TOWERS WATSON 225 BROADHOLLOW ROAD, SUITE 300 MELVILLE, NY 11747 | ACE AMERICAN INSURANCE COMPANY | $7K | — | $7K | 4.35% |
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 | 36,595 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 434 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 720 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 37,749 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD RHODE ISLAND | 236 | $2.5M |
| Dental(3 contracts, 3 carriers) | AETNA INTERNATIONAL | 295 | $1.2M |
| Vision | VISION SERVICE PLAN | 27,264 | $3.5M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 34,136 | $12.4M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 21,583 | $4.3M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 21,583 | $4.3M |
| Prescription drug | AETNA INTERNATIONAL | 236 | $593K |
| Other(2 contracts, 2 carriers) | VALUEOPTIONS, INC. | 76,034 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 76,034 | — |
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."
No prospect flags tripped on this filing.