| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWRS WATSON SOUTHEAST INC. | PO BOX 305025 NASHVILLE, TN 37230 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 2.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29754 NETWORK PL CHICAGO, IL 60673 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 1.19% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 277 W. TRADE ST. SUITE 1930 CHARLOTTE, NC 28202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 1.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | 525 MARKET ST. SUITE 3400 SAN FRANCISCO, CA 94105 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $8K | $8K | 1.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 29754 NETWORK PL CHICAGO, IL 60673 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $11K | — | $11K | 6.95% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 277 W. TRADE ST. SUITE 1930 CHARLOTTE, NC 28202 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $5K | — | $5K | 3.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29754 NETWORK PL CHICAGO, IL 60673 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 17.04% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 277 W. TRADE ST. SUITE 1930 CHARLOTTE, NC 28202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $944 | — | $944 | 3.25% |
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 | 1,949 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,963 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 2,270 | $165K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,949 | $736K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,949 | $736K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,949 | $736K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,949 | $765K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,270 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.