| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 P.O. BOX 28852 NEW YORK, NY 100878852 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $23K | $23K | 1.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LINCOLN LIFE ASSURANCE EIN 04-6076039 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $104K |
| HOLTZMAN PARTNERS, LLP EIN 74-3121060 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $44K |
| FIDELITY INVESTMENTS EIN 04-3532603 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $18K |
| ERNST & YOUNG EIN 34-6565596 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $18K |
| MERCER INVESTMENTS LLC EIN 30-0282430 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $14K |
| WELLS FARGO EIN 41-6257133 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $5K |
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 | 4,515 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,411 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,411 | — |
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.