| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $256K | $44K | $301K | 11.73% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $10K | $133K | $143K | 12.71% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $97K | $16K | $113K | 11.64% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $96K | $12K | $108K | 16.88% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | FIRST SYMETRA NATIONAL LIFE INS CO OF NEW YORK | $14K | $21K | $36K | 11.98% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $995 | $4K | 4.73% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $476 | $3K | 17.37% |
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 | 2,330 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 664 | $60K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 901 | $74K |
| Vision | AETNA LIFE INSURANCE CO. | 664 | $60K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 2,232 | $1.8M |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 767 | $970K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 2,235 | $2.6M |
| Stop-loss / reinsurancereinsurance | FIRST SYMETRA NATIONAL LIFE INS CO OF NEW YORK | 84 | $297K |
| Other(3 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 2,232 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,235 | — |
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.