| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | PO BOX 905196 CHARLOTTE, NC 28290 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $7K | $26K | 5.31% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $43 | $7K | 1.41% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 444 LIBERTY AVENUE, SUITE 505 PITTSBURGH, PA 15222 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14K | $2K | $16K | 14.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 SOUTH WACKER DRIVE, SUITE 2000 CHICAGO, IL 60603 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | -$428 | $7K | 6.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 SOUTH WACKER, SUITE 1875 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 8.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 26 CENTURY BOULEVARD 4TH FLOOR SOUTH NASHVILLE, TN 37214 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 8.94% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 6.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA, INC. | 16220 NORTH SCOTTSDALE ROAD SUITE 600 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 26B CENTURY BOULEVARD, 4TH FLOOR NASHVILLE, TN 37214 | HARTFORD LIFE AND ACCIDENT | $212 | — | $212 | 12.12% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INSURANCE COMPANIES, LLC | 525 WEST MONROE, SUITE 600 CHICAGO, IL 60661 | HARTFORD LIFE AND ACCIDENT | $50 | — | $50 | 2.86% |
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 | 849 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 849 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 1,488 | $6.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,994 | $489K |
| Vision | HEARTLAND | 1,168 | $87K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,994 | $489K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 264 | $113K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,994 | $489K |
| Prescription drug | HIGHMARK, INC. | 1,488 | $6.8M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,994 | $560K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,994 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.