| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | PO BOX 4557 NEW YORK, NY 10249 | PREMERA BLUE CROSS | $150K | — | $150K | 1.67% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK BENEFITS | 183 ROCKINGHAM RD UNIT 2E WINDHAM, NH 030871348 | PREMERA BLUE CROSS | $96K | — | $96K | 1.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 1 WORLD FINANCIAL CENTER NEW YORK, NY 10281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 6.10% |
| LANDMARK BENEFITS INC5 Filed as: LANDMARK BENEFITS | 183 ROCKINGHAM RD UNIT 2E WINDHAM, NH 030871348 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 2.50% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 7.36% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 6TH FL 200 LIBERTY ST NEW YORK, NY 10281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.50% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $997 | — | $997 | 0.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 1 WORLD FINANCIAL CENTER NEW YORK, NY 10281 | EYEMED VISION CARE | $12K | — | $12K | 11.08% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK BENEFITS | 183 ROCKINGHAM RD UNIT 2E WINDHAM, NH 030871348 | EYEMED VISION CARE | $3K | — | $3K | 2.69% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION | PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24K | — | $24K | 23.44% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 6TH FL 200 LIBERTY ST NEW YORK, NY 10281 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $134 | — | $134 | 0.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 1 WORLD FINANCIAL CENTER NEW YORK, NY 10281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.16% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK BENEFITS | 183 ROCKINGHAM RD UNIT 2E WINDHAM, NH 030871348 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF WASHINGTON EIN 91-0621480 PROVIDER | Plan Administrator Service code 14 | — | $56K |
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 | 960 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 975 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 1,308 | $9.0M |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 936 | $150K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 960 | $641K |
| Short-term disability(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 960 | $760K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 960 | $437K |
| Prescription drug | PREMERA BLUE CROSS | 1,308 | $9.0M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 960 | $645K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,308 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.