| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | 1 WORLD FINANCIAL CTR 200 LIBERTY ST, 6TH FLOOR NEW YORK, NY 10281 | AETNA LIFE INSURANCE CO. | $261K | $38K | $299K | 3.17% |
| 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 | $54K | — | $54K | 2.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC. | THREE COPLEY PLACE, SUITE 300 BOSTON, MA 02116 | HARVARD PILGRIM HEALTH CARE | $37K | — | $37K | 2.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 1 WORLD FINANCIAL CTR NEW YORK, NY 10281 | VISION SERVICE PLAN | $10K | — | $10K | 10.00% |
| 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 | $736 | $57 | $793 | 21.54% |
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 | 1,075 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 133 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 1,561 | $13.1M |
| Dental | AETNA LIFE INSURANCE CO. | 1,561 | $9.5M |
| Vision | VISION SERVICE PLAN | 637 | $104K |
| Life insurance | AETNA LIFE INSURANCE CO. | 1,561 | $9.5M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 1,561 | $9.5M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 1,561 | $9.5M |
| Prescription drug | HEALTH PLAN OF NEVADA | 0 | $1.8M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 1,561 | $9.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,561 | — |
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.