| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY ST FL 6 1 WORLD FINANCIAL CTR NEW YORK, NY 10281 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $317K | $317K | 4.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET, 6TH FLOOR 1 WORLD FINANCIAL CTR NEW YORK, NY 10281 | DELTA DENTAL INSURANCE COMPANY | $20K | — | $20K | 5.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 200 LIBERTY STREET, 6TH FLOOR ONE WORLD FINANCIAL CENTER NEW YORK, NY 10281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $6K | $17K | 6.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 200 LIBERTY STREET, 6TH FLOOR ONE WORLD FINANCIAL CENTER NEW YORK, NY 10281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $3K | $24K | 16.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 200 LIBERTY STREET, 6TH FLOOR ONE WORLD FINANCIAL CENTER NEW YORK, NY 10281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $2K | $17K | 15.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET 6TH FLOOR ONE WORLD FINANCIAL CTR NEW YORK, NY 10281 | DELTA DENTAL INSURANCE COMPANY | $11K | — | $11K | 11.68% |
| THE ORIENTATION COMPANY, INC.3 | 5 COWBOYS WAY STE I FRISCO, TX 75034 | UNUM INSURANCE COMPANY | $19K | — | $19K | 35.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 200 LIBERTY STREET, 6TH FLOOR ONE WORLD FINANCIAL CENTER NEW YORK, NY 10281 | UNUM INSURANCE COMPANY | $8K | $330 | $9K | 15.98% |
| THE ORIENTATION COMPANY, INC.3 | 5 COWBOYS WAY STE I FRISCO, TX 75034 | UNUM INSURANCE COMPANY | $18K | — | $18K | 41.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 200 LIBERTY STREET, 6TH FLOOR ONE WORLD FINANCIAL CENTER NEW YORK, NY 10281 | UNUM INSURANCE COMPANY | $8K | $269 | $8K | 18.49% |
| THE ORIENTATION COMPANY, INC.3 | 5 COWBOYS WAY STE I FRISCO, TX 75034 | UNUM INSURANCE COMPANY | $10K | — | $10K | 31.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 200 LIBERTY STREET, 6TH FLOOR ONE WORLD FINANCIAL CENTER NEW YORK, NY 10281 | UNUM INSURANCE COMPANY | $4K | $190 | $5K | 14.34% |
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 | 1,426 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 40 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 799 | $7.6M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,268 | $340K |
| Vision | DELTA DENTAL INSURANCE COMPANY | 1,113 | $92K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,468 | $255K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 369 | $253K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 369 | $253K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 799 | $7.6M |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,468 | $384K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,468 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.