| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $977 | $977 | 1.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | PO BOX 414965 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | — | $28 | $28 | 0.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 10 STATE HOUSE SQ FL 11 HARTFORD, CT 061033602 | METROPOLITAN LIFE INSURANCE COMPANY | — | $28 | $28 | 0.06% |
| WILLIS TOWERS WATSON US LLC3 | 1500 MARKET STREET, 25TH FLOOR PHILADELPHIA, PA 19102 | VISION BENEFITS OF AMERICA | $288 | — | $288 | 1.87% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | VISION BENEFITS OF AMERICA | $220 | — | $220 | 1.43% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 342 | $89K |
| Vision | VISION BENEFITS OF AMERICA | 152 | $15K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 315 | $50K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $86K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $86K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 315 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.