| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | P.O. BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $184K | — | $184K | 1.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL LLC | P.O. BOX 203383 DALLAS, TX 753203381 | STANDARD INSURANCE COMPANY | $128K | — | $128K | 1.04% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 NEW YORK, NY 10087 | RELIASTAR LIFE INSURANCE COMPANY | — | $205K | $205K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $10.5M |
| ING EIN 71-0294708 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $3.8M |
| TOWERS WATSON DELAWARE INC. EIN 53-0181291 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $676K |
| BEST DOCTORS INC. NONE | Direct payment from the plan; Other services Service code 49 | 100 FEDERAL STREET 21ST FLOOR BOSTON, MA 02110 | $223K |
| CORE LLC EIN 72-1392118 NONE | Direct payment from the plan; Other services Service code 49 | — | $68K |
| NEW YORK BLOOD PRESSURE, INC. EIN 35-1172329 NONE | Direct payment from the plan; Other services Service code 49 | — | $49K |
| HILL BAROLET AND ASSOCIATES LLC EIN 20-1068679 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $47K |
| WRIGHTS PRINTING LLP NONE | Direct payment from the plan; Participant communication Service code 38 | 2407 TIMBERLOCK PLACE SUITE A THE WOODLANDS, TX 773801039 | $39K |
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 | 14,307 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 439 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,746 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | STANDARD INSURANCE COMPANY | 11,613 | $12.3M |
| Long-term disability | STANDARD INSURANCE COMPANY | 11,613 | $12.3M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 14,160 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,160 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.