| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | P.O. 28852 LOCKBOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $17K | — | $17K | 2.48% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS INS SVCS OF CA INC | P.O. BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 0.46% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 2.74% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFIT GROUP LLC | 80 S 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 0.50% |
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 | 1,287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | STANDARD INSURANCE COMPANY | 1,546 | $701K |
| Long-term disability | STANDARD INSURANCE COMPANY | 693 | $380K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,546 | — |
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.