| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | 525 MARKET ST. SUITE 3400 SAN FRANCISCO, CA 94105 | QBE INSURANCE | — | $62K | $62K | 6.00% |
| LIAZON BENEFITS INC5 Filed as: LIAZON CORPORATION | 199 SCOTT STREET FLOOR 8 BUFFALO, NY 14204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $18K | $18K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29727 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $8K | — | $8K | 9.21% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES | PO BOX 2569 BELLAIRE, TX 77402 | EYEMED VISION CARE | $4K | — | $4K | 4.94% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST 8TH FLOOR BUFFALO, NY 14204 | EYEMED VISION CARE | $4K | — | $4K | 4.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 29754 NETWORK PL CHICAGO, IL 60673 | AETNA LIFE INSURANCE COMPANY | $8K | — | $8K | 12.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 29754 NETWORK PL. CHICAGO, IL 606731297 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $39 | $4K | 6.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | 26 CENTURY BLVD. C/0 JP MORGAN CHASE NASHVILLE, TN 372143685 | METROPOLITAN LIFE INSURANCE COMPANY | — | $658 | $658 | 1.20% |
| LIAZON BENEFITS INC5 Filed as: LIAZON BENEFITS INC. | 199 SCOTT ST. FL 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $461 | $461 | 0.84% |
| EMPYREAN INSURANCE SERVICES, INC.5 Filed as: EMPYREAN BENEFIT SOLUTIONS, INC | 3010 BRIARPARK DR #8000 HOUSTON, TX 77042 | METROPOLITAN LIFE INSUR | — | $3K | $3K | 11.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 29754 NETWORK PL CHICAGO, IL 606731297 | METROPOLITAN LIFE INSUR | $1K | $39 | $1K | 5.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESEE INC | 26 CENTURY BLVD. C/O JP MORGAN CHASE NASHVILLE, TN 372143685 | METROPOLITAN LIFE INSUR | — | $175 | $175 | 0.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | PO BOX 4557 NEW YORK, NY 10249 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $256 | — | $256 | 5.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 200 LIBERTY STREET NEW YORK, NY 10281 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $175 | — | $175 | 3.90% |
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 | 790 | 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) | 791 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 480 | $81K |
| Dental | DELTA DENTAL | 1,343 | $376K |
| Vision | EYEMED VISION CARE | 2,336 | $87K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 790 | $350K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 790 | $350K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 790 | $350K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 7,201 | $1.0M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 790 | $381K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,201 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.