| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT SOLUTIONS3 Filed as: INNOVATIVE BENEFIT SOLUTIONS INC. | 11057 N TOWNE SQUARE ROAD MEQUON, WI 53092 | UNITED AMERICAN INSURANCE COMPANY | $115K | — | $115K | 6.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 400 NORTH EXECUTIVE DRIVE SUITE 300 BROOKFIELD, WI 53005 | SUN LIFE ASSURANCE COMPANY OF CANADA | $66K | — | $66K | 5.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 525 MARKET ST STE 3400 SAN FRANCISCO, CA 94105 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $21K | $21K | 1.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 300 S GRAND AVE STE 2000 LOS ANGELES, CA 90071 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | — | $357 | $357 | 1.12% |
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 | 1,718 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 595 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AMERICAN INSURANCE COMPANY | 717 | $1.8M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 3,038 | $159K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,772 | $1.3M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,772 | $1.3M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,772 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,038 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.