| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY ST FL 6 NEW YORK, NY 10281 | UNITEDHEALTHCARE INSURANCE COMPANY | $193K | — | $193K | 3.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY ST FL 6 1 WORLD FINANCIAL CTR NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $4K | $32K | 9.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET, 6TH FLOOR NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $288 | $4K | 14.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 200 LIBERTY STREET NEW YORK, NY 10281 | ARAG INSURANCE COMPANY | $3K | — | $3K | 13.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET, 6TH FLOOR NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $191 | $2K | 13.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET, 6TH FLOOR NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $150 | $2K | 14.35% |
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 | 559 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 564 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 907 | $6.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 907 | $6.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 907 | $6.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 750 | $353K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 750 | $353K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 750 | $353K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 907 | $6.4M |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 750 | $434K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 907 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.