| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | 200 LIBERTY STREET F16 NEW YORK, NY 10281 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 0.52% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN GENERAL INSURANCE COMPANY | $12K | — | $12K | 9.98% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER.COM, INC | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 50265 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $2K | $2K | 1.99% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $864 | $864 | 0.74% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 | 200 LIBERTY STREET FLOOR 7 NEW YORK, NY 102810003 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $3K | — | $3K | 25.00% |
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 | 2,564 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,627 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2 | $46K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2 | $46K |
| Vision | VISION SERVICE PLAN | 1,916 | $410K |
| Life insurance | ZURICH AMERICAN LIFE INSURANCE COMPANY | 4,242 | $2.2M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,534 | $755K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,620 | $387K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,242 | — |
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.