| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | VISION SERVICE PLAN | $7K | — | $7K | 1.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH SCOPE BENEFITS N/A | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | 27 CORPORATE HILL LITTLE ROCK, AR 72205 | $2.0M |
| DELTA DENTAL PLAN OF NM EIN 85-0224562 N/A | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $77K |
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 | 1,708 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,722 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,433 | $363K |
| Stop-loss / reinsurancereinsurance | AETNA HEALTH & LIFE INS CO | 1,648 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,648 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.