| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 200 LIBERTY STREET, 6TH FL NEW YORK, NY 10281 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $159K | $39K | $199K | 3.82% |
| WILLIS TOWERS WATSON US LLC3 | 200 LIBERTY ST, 6TH FL NEW YORK, NY 10281 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $229 | $229 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | PO BOX 4557 NEW YORK, NY 10249 | STANDARD INSURANCE COMPANY | $30K | — | $30K | 14.54% |
| ADP INC3 | PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | — | $7K | $7K | 3.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | ONE WORLD FINANCIAL CTR 200 LIBERTY ST 6TH FL NEW YORK, NY 10281 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 0.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | PO BOX 4557 NEW YORK, NY 10249 | STANDARD INSURANCE COMPANY | $28K | — | $28K | 14.54% |
| ADP INC3 | PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | — | $6K | $6K | 3.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | ONE WORLD FINANCIAL CTR 200 LIBERTY ST 6TH FL NEW YORK, NY 10281 | STANDARD INSURANCE COMPANY | — | $914 | $914 | 0.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | PO BOX 4557 NEW YORK, NY 10249 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 3.86% |
| ADP INC3 | PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | — | $5K | $5K | 3.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | ONE WORLD FINANCIAL CTR 200 LIBERTY ST 6TH FL NEW YORK, NY 10281 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 0.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 200 LIBERTY ST FL 6 NEW YORK, NY 10281 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $261 | $5K | 3.79% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $387 | $387 | 0.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | PO BOX 4557 NEW YORK, NY 10249 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 15.41% |
| ADP INC3 | PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 3.52% |
| PHYLLIS ADAMS4 | 210 N TYRONE RD BALTIMORE, MD 21212 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $496 | — | $496 | 6.35% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE4 Filed as: CLJM LLC DBA H M RISK | 8235 FORSYTH BLVD STE 1200 SAINT LOUIS, MO 63105 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $280 | — | $280 | 3.58% |
| MARY THERESA FISHER4 | 898 UNION CHURCH RD TOWSEND, DE 19734 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $229 | — | $229 | 2.93% |
| DONOVAN INSURANCE GROUP INC4 Filed as: DONOVAN INSURANCE GRP INC | 1458 WILDERNESS RIDGE TRL CROWNSVILLE, MD 21032 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $63 | — | $63 | 0.81% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY ST NEW YORK, NY 10281 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $20 | — | $20 | 0.26% |
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 | 1,023 | 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) | 1,026 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,087 | $5.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,087 | $5.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 158 | $142K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,074 | $206K |
| Short-term disability | STANDARD INSURANCE COMPANY | 352 | $191K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,074 | $168K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,087 | $5.2M |
| Other(4 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,074 | $422K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,087 | — |
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.