| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 100 MATSONFORD ROAD BUILDING 5, SUITE 200 WAYNE, PA 19087 | HARTFORD LIFE AND ACCIDENT | $142K | — | $142K | 2.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC. | 100 MATSONFORD RD. BLDG 5 #200 RADNOR, PA 19087 | AETNA LIFE INSURANCE CO. | $69K | — | $69K | 2.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | ONE WORLD FINANCIAL CENTER NEW YORK, NY 10281 | NATIONWIDE | $880 | — | $880 | 20.00% |
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 | 18,768 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 235 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,152 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 20,155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 13,640 | $2.0M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 20,231 | $9.4M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 20,231 | $9.4M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 20,231 | $9.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,231 | — |
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.