| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | PO BOX 730054 DALLAS, TX 75373 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $12K | $43K | 6.28% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY ASSOCIATION INC. | PO BOX 9207 DES MOINES, IA 50306 | METROPOLITAN LIFE INSURANCE COMPANY | $8 | $17 | $25 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA | PO BOX 730054 DALLAS, TX 75373 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $12K | — | $12K | 9.32% |
| SELECT NETWORKS3 | 317 6TH AVE., DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | PO BOX 730054 DALLAS, TX 75373 | VISION SERVICE PLAN | $976 | — | $976 | 6.22% |
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 | 935 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 42 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 981 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,229 | $680K |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 559 | $140K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,229 | $680K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,229 | $680K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,229 | $680K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,229 | $680K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,229 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.