| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | PO BOX 416315 BOSTON, MA 02241 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 0.24% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 0.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | 150 JOHN F KENNEDY PKWY SUITE 520 SHORT HILLS, NJ 07016 | STANDARD INSURANCE COMPANY | $18K | — | $18K | 33.68% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 8.71% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | — | $237 | $237 | 0.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | 150 JOHN F KENNEDY PKWY SUITE 520 SHORT HILLS, NJ 07016 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 25.14% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 9.38% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | — | $138 | $138 | 0.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | 160 JOHN F KENNEDY PKWY STE 520 SHORT HILLS, NJ 07016 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 15.24% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $407 | — | $407 | 1.06% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | — | $97 | $97 | 0.25% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 268 | $1.1M |
| Dental | AETNA LIFE INSURANCE CO. | 268 | $1.1M |
| Vision | AETNA LIFE INSURANCE CO. | 268 | $1.1M |
| Life insurance | STANDARD INSURANCE COMPANY | 249 | $54K |
| Short-term disability | STANDARD INSURANCE COMPANY | 247 | $38K |
| Long-term disability | STANDARD INSURANCE COMPANY | 59 | $43K |
| Other | STANDARD INSURANCE COMPANY | 249 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.