| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 NEW YORK, NY 10087 | RELIASTAR LIFE INSURANCE COMPANY | — | $293K | $293K | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $9.6M |
| TOWERS WATSON DELAWARE INC. EIN 53-0181291 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $693K |
| BEST DOCTORS INC. NONE | Direct payment from the plan; Other services Service code 49 | 100 FEDERAL STREET 21ST FLOOR BOSTON, MA 02110 | $287K |
| ERNST AND YOUNG LLP EIN 34-6565596 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $69K |
| CORE LLC EIN 72-1392118 NONE | Other services; Direct payment from the plan Service code 49 | — | $58K |
| NEW YORK BLOOD PRESSSURE, INC. EIN 35-1172329 NONE | Other services; Direct payment from the plan Service code 49 | — | $54K |
| HILL BAROLET AND ASSOCIATES LLC EIN 20-1068679 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $44K |
| WRIGHTS PRINTING LLP NONE | Direct payment from the plan; Participant communication Service code 38 | 2407 TIMBERLOCK PLACE SUITE A THE WOODLANDS, TX 773801039 | $23K |
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 | 15,939 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 184 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 15,759 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,759 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.