| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | $60K | — | $60K | 0.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | 600 UNIVERSITY STREET SUITE 3100 SEATTLE, WA 98101 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 0.05% |
| DISABILITY MGMT ALT, LLC3 | 9 FARM SPRINGS ROAD 1ST FLOOR FARMINGTON, CT 06032 | HARTFORD LIFE AND ACCIDENT | — | $88K | $88K | 3.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | 120 S CENTRAL AVE SUITE 1405 SAINT LOUIS, MO 63105 | HARTFORD LIFE AND ACCIDENT | $60K | — | $60K | 2.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $49K | $49K | 1.71% |
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 | 5,488 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 12,490 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,978 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AETNA LIFE INSURANCE CO. | 25,479 | $10.5M |
| Other | HARTFORD LIFE AND ACCIDENT | 5,876 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25,479 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.