| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | ONE WORLD FINANCIAL CTR 200 LIBERTY ST, 6TH FLOOR NEW YORK, NY 10281 | AETNA LIFE INSURANCE CO. | $222K | — | $222K | 2.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 1 WORLD FINANCIAL CTR 200 LIBERTY STREET, 6TH FL. NEW YORK, NY 10281 | AETNA HEALTH, INC. | $97K | — | $97K | 2.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 1 WORLD FINANCIAL CENTER 200 LIBERTY ST NEW YORK, NY 10281 | HEALTH PLAN OF NEVADA/SIERRA HEALTH AND LIFE | $56K | — | $56K | 2.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC. | THREE COPLEY PLACE, SUITE 300 BOSTON, MA 02116 | HARVARD PILGRIM HEALTH CARE | $34K | — | $34K | 1.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 1 WORLD FINANCIAL CTR NEW YORK, NY 10281 | VISION SERVICE PLAN | $7K | — | $7K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY STREET NEW YORK, NY 10281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $701 | $31 | $732 | 20.88% |
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 | 1,641 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,662 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 2,633 | $14.7M |
| Dental | AETNA LIFE INSURANCE CO. | 2,633 | $7.5M |
| Vision | VISION SERVICE PLAN | 1,079 | $132K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,641 | $294K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,641 | $294K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH AND LIFE | 702 | $2.0M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,912 | $330K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,633 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.