| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC7 Filed as: WILLIS TOWERS WATSON INS | PO BOX 730054 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $712 | $712 | 10.12% |
| WILLIS TOWERS WATSON US LLC7 Filed as: WILLIS TOWERS WATSON INS | PO BOX 730054 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $369 | $369 | 10.20% |
| WILLIS TOWERS WATSON US LLC7 Filed as: WILLIS TOWERS WATSON INS | PO BOX 730054 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $327 | $327 | 10.79% |
| WILLIS TOWERS WATSON US LLC7 Filed as: WILLIS TOWERS WATSON INS | PO BO 730054 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $168 | $168 | 10.05% |
| WILLIS TOWERS WATSON US LLC7 Filed as: WILLIS TOWERS WATSON INS | PO BOX 730054 DALLAS, TX 75373 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $3 | $3 | 0.30% |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 397 | $1.2M |
| Dental | DELTA DENTAL OF NEW MEXICO | 493 | $219K |
| Vision | VISION SERVICE PLAN | 183 | $30K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 214 | $7K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 177 | $4K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 214 | $3K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 214 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 493 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.