| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC, HRH | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST, F.. 6 NEW YORK, NY 10281 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $259K | $263K | 2.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | ONE WORLD FINANCIAL CTR 200 LIBERTY ST, 6TH FLOOR NEW YORK, NY 10281 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE INC. | 100 BENEFITFOCUS WAY CHARLESTOWN, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $2K | $18K | 33.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 1 WORLD FINANCIAL CTR 200 LIBERTY ST, FL. 6 NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $383 | $12K | 21.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC. | C/O INNOTECH 233 S. WACKER DR, STE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $899 | $6K | 23.22% |
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 | 3,657 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,667 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,657 | $11.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 3,657 | $11.9M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 0 | $92K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 3,657 | $11.9M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 3,657 | $11.9M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 3,657 | $11.9M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,657 | $11.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,657 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.