| 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 | $16K | $174K | $191K | 4.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | PO BOX 4557 NEW YORK, NY 10249 | UNITEDHEALTHCARE INSURANCE COMPANY | $39K | — | $39K | 9.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | PO BOX 32090 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 9.26% |
| STOKES TRAVIS3 | 1776 AMERICAN HERITAGE DR JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $994 | — | $994 | 23.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | PO BOX 32090 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $994 | — | $994 | 23.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | PO BOX 32090 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 9.80% |
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 | 773 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 776 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 770 | $4.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 770 | $4.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 770 | $4.1M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 860 | $427K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 860 | $427K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 860 | $427K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 770 | $4.1M |
| Other(4 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 860 | $444K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 860 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.