| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS, INC. | $262K | — | $262K | 8.21% |
| MITCH GREENBERG3 | 60 RIVER FARM DRIVE EAST GREENWICH, RI 02818 | EXPRESS SCRIPTS, INC. | $29K | — | $29K | 0.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 1 WORLD FINANCIAL CTR 200 LIBERTY ST, FL. 6 NEW YORK, NY 10281 | MVP HEALTHCARE | $130K | — | $130K | 4.58% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | UNITED AMERICAN INS. CO. | $267K | — | $267K | 14.12% |
| MITCH GREENBERG3 | 60 RIVER FARM DRIVE EAST GREENWICH, RI 02818 | UNITED AMERICAN INS. CO. | $67K | — | $67K | 3.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 3001 SUMMER STREET STAMFORD, CT 06905 | EXCELLUS BLUE CROSS BLUE SHIELD | $35K | — | $35K | 4.28% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $16K | $16K | 2.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 3001 SUMMER STREET STAMFORD, CT 06905 | EXCELLUS BLUE CROSS BLUE SHIELD | $34K | — | $34K | 41.62% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,889 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,889 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 4 carriers) | MVP HEALTHCARE | 1,815 | $7.5M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 2,651 | $708K |
| Prescription drug(3 contracts, 2 carriers) | EXPRESS SCRIPTS, INC. | 1,687 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,651 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.