| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $289K | — | $289K | 3.05% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX #28852 NEW YORK, NY 100878852 | UNITEDHEALTHCARE INSURANCE COMPANY | $192K | — | $192K | 8.40% |
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 | 12,097 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 135 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 338 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,570 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 527 | $4.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 527 | $4.4M |
| Vision | VISION SERVICE PLAN | 10,062 | $1.8M |
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 13,291 | $15.4M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 12,131 | $9.5M |
| Long-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 13,291 | $15.4M |
| Other(9 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 12,200 | $9.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,291 | — |
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.