| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 800 NORTH GLEBE ROAD ARLINGTON, VA 22203 | CIGNA HEALTH AND LIFE INSURANCE CO | — | $132 | $132 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US L | P.O. BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE CO OF NORTH AMERICA | $0 | $1K | $1K | 0.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | 12647 ALCOSTA BLVD STE 330 SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 9.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US L | P.O. BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE CO OF NORTH AMERICA | $0 | $216 | $216 | 0.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US L | P.O. BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE CO OF NORTH AMERICA | $0 | $33 | $33 | 0.85% |
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 | 320 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO | 320 | $801K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE CO | 320 | $801K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE CO | 320 | $801K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 320 | $119K |
| Short-term disability | LIFE INSURANCE CO OF NORTH AMERICA | 320 | $118K |
| Long-term disability | LIFE INSURANCE CO OF NORTH AMERICA | 320 | $118K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE CO | 320 | $801K |
| Other | LIFE INSURANCE CO OF NORTH AMERICA | 320 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.