| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | DBA WILLIS TOWERS WATSON US LLC COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $0 | $51K | $51K | 2.14% |
| WILLIS TOWERS WATSON US LLC3 | DBA WILLIS TOWERS WATSON US LLC COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $0 | $46K | $46K | 2.14% |
| WILLIS TOWERS WATSON US LLC3 | DBA WILLIS TOWERS WATSON US LLC COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $0 | $365 | $365 | 2.68% |
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 | 7,115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 239 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,892 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | SECURIAN LIFE INSURANCE COMPANY | 7,089 | $4.5M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY | 179 | $54K |
| Long-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 6,719 | $2.9M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 12,638 | $7.4M |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 348 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,638 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.