| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | -$4K | $46K | $43K | 4.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVC WEST | 2000 S COLORADO BLVD SUITE 900 DENVER, CO 80222 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $31 | $15K | 1.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVC WEST | PO BOX 101162 PASADENA, CA 91189 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10K | $10K | 1.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO INC. | 2000 S COLORADO BLVD SUITE 900 TOWER II DENVER, CO 80222 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $550 | $3K | 0.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO INC | BANK OF AMERICA WILLIS TOWERS WATSON INS SVCS CHICAGO, IL 60693 | STANDARD INSURANCE COMPANY | $27K | — | $27K | 5.81% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT ST 8TH FL BUFFALO, NY 14204 | STANDARD INSURANCE COMPANY | — | $23K | $23K | 4.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON WEST INC | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 0.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO INC | BANK OF AMERICA WILLIS TOWERS WATSON INS SVCS CHICAGO, IL 60693 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 5.85% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT ST 8TH FL BUFFALO, NY 14204 | STANDARD INSURANCE COMPANY | — | $12K | $12K | 4.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON WEST INC | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | — | $821 | $821 | 0.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 2000 S COLORADO BLVD STE 900 DENVER, CO 80222 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $31 | $40K | 24.15% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 5.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO INC | 2000 S COLORADO BLVD SUITE 900, TOWER II DENVER, CO 80222 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $251 | $4K | 2.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVC WEST | PO BOX 101162 PASADENA, CA 91189 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.51% |
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 | 903 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 938 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,354 | $929K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,354 | $929K |
| Life insurance | STANDARD INSURANCE COMPANY | 892 | $467K |
| Long-term disability | STANDARD INSURANCE COMPANY | 889 | $240K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 892 | $631K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,354 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.