| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $425K | $120K | $545K | 21.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $25K | $25K | 1.15% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 103140000 | FEDERAL INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON | 101 SOUTH HANLEY ST. LOUIS, MO 63105 | FEDERAL INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | FIRST UNUM LIFE INSURANCE COMPANY | — | $51 | $51 | 1.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHY ALLIANCE LIFE INS CO EIN 86-0257201 CLAIMS PROCESSOR | Float revenue; Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $5.9M |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other insurance fees and expenses; Claims processing; Other services; Contract Administrator Service code 12 | — | $5.2M |
| UNUM LIFE INSURANCE CO OF AMERICA EIN 01-0278678 CLAIMS PROCESSOR | Contract Administrator; Claims processing; Other insurance fees and expenses Service code 12 | — | $498K |
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 | 85,255 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 492 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 823 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 86,570 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 29,246 | $10.6M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 19,149 | $2.2M |
| Other(5 contracts, 5 carriers) | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 29,246 | $8.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 29,246 | — |
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.