| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | $0 | $160K | $160K | 2.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | 335 MADISON AVE FL 20 NEW YORK, NY 100174633 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $275K | $275K | 6.00% |
| AON CONSULTING INC3 Filed as: AON | 199 WATER STREET NEW YORK, NY 10038 | ACE AMERICAN INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | SUN LIFE AND HEALTH INSURANCE COMPANY | $3K | $1K | $4K | 14.61% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - ST LO | C/O BANK OF AMERICA PO BOX 505115 ST LOUIS, MO 631505115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $623 | $125 | $748 | 11.05% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | SUN LIFE AND HEALTH INSURANCE COMPANY | $535 | $214 | $749 | 17.85% |
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 | 8,856 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 168 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 196 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 6,898 | $7.0M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 6,898 | $6.6M |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 11,736 | $611K |
| Life insurance(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 6,898 | $6.7M |
| Short-term disability(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 6,898 | $6.7M |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 6,898 | $6.6M |
| Other(6 contracts, 6 carriers) | AETNA LIFE INSURANCE CO. | 8,882 | $11.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,736 | — |
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."
No prospect flags tripped on this filing.