| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 200 N WARNER RD KING OF PRUSSIA, PA 19406 | INDEPENDENCE BLUE CROSS | $95K | — | $95K | 2.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 32090 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | $25K | $13K | $38K | 8.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 NORTH WARNER ROAD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $37K | — | $37K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 801 S FIGUEROA STREET LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 1.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 200 N WARNER RD KING OF PRUSSIA, PA 19406 | INDEPENDENCE BLUE CROSS | $10K | — | $10K | 17.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 200 NORTH WARNER ROAD, STE 300 KING OF PRUSSIA, PA 19406 | HEARTLAND | $557 | — | $557 | 2.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 200 N WARNER RD KING OF PRUSSIA, PA 19406 | INDEPENDENCE BLUE CROSS | -$45 | — | -$45 | — |
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 | 297 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | INDEPENDENCE BLUE CROSS | 531 | $4.2M |
| Dental | AETNA LIFE INSURANCE CO. | 648 | $435K |
| Vision | HEARTLAND | 572 | $28K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 326 | $245K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 326 | $245K |
| Prescription drug(2 contracts) | INDEPENDENCE BLUE CROSS | 297 | $199K |
| Other | HARTFORD LIFE AND ACCIDENT | 326 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.