| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $7K | $7K | 0.54% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $7K | $12K | 2.35% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | — | $34K | 10.26% |
| VANBRIDGE LLC3 | 210 HUDSON ST STE 601 JERSEY CITY, NJ 073111207 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 3.33% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN GENERAL INSURANCE CO. | $20K | — | $20K | 10.00% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.28% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 Filed as: EMPOWER BENEFITS,INC DBA CORESTREAM | 3606 ENTERPRISE AVE., SUITE 304 NAPLES, FL 34104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.94% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 Filed as: EMPOWER BENEFITS,INC DBA CORESTREAM | 3606 ENTERPRISE AVE., SUITE 304 NAPLES, FL 34104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET NEW YORK, NY 10281 | HARTFORD FIRE INSURANCE COMPANY | $2K | — | $2K | 25.00% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $73 | $5 | $78 | 16.02% |
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 | 4,244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 136 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 214 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,594 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 144 | $2.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 3,591 | $332K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,687 | $1.3M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3 | $487 |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,351 | $517K |
| Other(7 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,687 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,687 | — |
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.