| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | AETNA LIFE INSURANCE CO. | $155K | — | $155K | 9.14% |
| RUTH I LARKIN3 Filed as: RUTH I. LARKIN | 2000 WADSWORTH BLVD, #202 LAKEWOOD, CO 80214 | GENWORTH LIFE INSURANCE COMPANY | $6K | — | $6K | 7.76% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | GENWORTH LIFE INSURANCE COMPANY | $3K | — | $3K | 3.88% |
| WILLIS TOWERS WATSON US LLC0 Filed as: TOWERS WATSON DELAWARE, INC | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | FOUR EVER LIFE INS CO. | $1K | — | $1K | 15.00% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | ACE AMERICAN INSURANCE COMPANY | $617 | — | $617 | 15.00% |
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 | 4,665 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 65 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,730 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,665 | $854K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 75 | $844K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 75 | $844K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 9,225 | $1.8M |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 9,225 | $1.8M |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 4,104 | $1.6M |
| Other(7 contracts, 7 carriers) | AETNA LIFE INSURANCE CO. | 9,225 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,225 | — |
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."
No prospect flags tripped on this filing.