| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | 201 E 5TH ST STE 1250 CINCINNATI, OH 45202 | SUNLIFE ASSURANCE COMPANY OF CANADA | $42K | $26K | $68K | 1.00% |
| UNITED BENEFIT ADVISORS LLC3 | 280 E 96TH ST STE 250 INDIANAPOLIS, IN 46240 | SUNLIFE ASSURANCE COMPANY OF CANADA | $120 | — | $120 | 0.00% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | PO BOX 5682 CAROL STREAM, IL 60197 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $112K | — | $112K | 3.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE IN | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $19K | $34K | 1.15% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | PO BOX 5682 CAROL STREAM, IL 60197 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $67K | — | $67K | 12.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE IN | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $3K | $22K | 4.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE IN | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $5K | 2.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN | AGENCY LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 14.86% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC D/B/A INTEGRO INS | 3500 LENOX RD NE STE 1600 ATLANTA, GA 303264236 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE IN | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $312 | $2K | 5.15% |
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 | 17,440 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 144 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,584 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 6 carriers) | GEISINGER QUALITY OPTIONS | 635 | $11.6M |
| Dental | HMSA | 29 | $122K |
| Life insurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 18,148 | $6.8M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 17,440 | $217K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 17,440 | $3.0M |
| Prescription drug | TRIPLE-S SALUD, INC. | 35 | $383K |
| Other(4 contracts, 4 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 18,148 | $7.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,148 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.