| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 5 TRIAD CTR, SUITE 525 SALT LAKE CITY, UT 84180 | STANDARD INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF TEXAS, INC. | 15305 DALLAS PARKWAY, SUITE 1100 ADDISON, TX 75001 | ZURICH AMERICAN INSURANCE COMPANY | $6K | — | $6K | 21.19% |
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 | 5,919 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,898 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,817 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 3,530 | $4.3M |
| Short-term disability | UNICARE LIFE & HEALTH INSURANCE COMPANY | 0 | $755K |
| Other | ZURICH AMERICAN INSURANCE COMPANY | 2,389 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,530 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.