| 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 | $113K | — | $113K | 5.53% |
| 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 | $70K | $24K | $94K | 6.92% |
| 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 DBA ANTHEM BCBS | — | $362 | $362 | 1.01% |
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 | 1,763 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 578 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 36 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AMERICAN INSURANCE COMPANY | 706 | $2.0M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 3,270 | $177K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,051 | $1.4M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,051 | $1.4M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,051 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,270 | — |
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.