| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | 150 JOHN F. KENNEDY PARKWAY SHORT HILLS, NJ 07078 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $61K | — | $61K | 10.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 LIBERTY ST, 6TH FL. NEW YORK, NY 10281 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $14K | — | $14K | 3.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | PO BOX 1969 MORRISTOWN, NJ 07962 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 0.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC. | 16220 N. SCOTTSDALE RD, STE 600 SCOTTSDALE, AZ 85254 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 0.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | PO BOX 416315 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $7K | 12.39% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO. INC. | 669 RIVER DR., STE 305 ATTN EDNA RODDA ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | -$31K | -$5K | -$37K | -61.79% |
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 | 520 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 536 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 1,635 | $664K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,635 | $59K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 520 | $407K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 520 | $407K |
| Other | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 520 | $407K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,635 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.