| 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 SUITE 52 SHORT HILLS, NJ 07078 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $5K | $19K | 4.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY , INC. | PO BOX 416315 BOSTON, MA 02241 | AETNA LIFE INSURANCE COMPANY | $6K | $695 | $7K | 5.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS , INC. | UNKNOWN WEST CHESTER, PA 19382 | AETNA LIFE INSURANCE COMPANY | $0 | $105 | $105 | 0.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY , INC. | 150 JOHN F. KENNEDY PARKWAY SUITE 520 SHORT HILLS, NJ 07078 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 12.95% |
| MGIS3 | 111 SOUTH MAIN STREET, SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $180 | $180 | 0.39% |
| ISOLUTIONS INC.3 Filed as: ISOLUTIONS, INC. | 1305 CATFISH LANE NORRISTOWN, PA 19403 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24 | $0 | $24 | 0.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY , INC. | 150 JOHN F. KENNEDY PARKWAY SUITE 52 SHORT HILLS, NJ 07078 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $6K | $0 | $6K | 19.79% |
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 | 476 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 435 | $2.9M |
| Dental | AETNA LIFE INSURANCE COMPANY | 500 | $125K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 371 | $32K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 476 | $406K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 476 | $406K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 476 | $452K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 435 | $2.9M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 476 | $406K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 500 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.