| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | $0 | $40K | $40K | 0.61% |
| WILLIS TOWERS WATSON US LLC3 | 335 MADISON AVE FL 20 NEW YORK, NY 100174633 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $313K | $313K | 6.00% |
| HORST INSURANCE3 | 320 GRANITE RUN DRIVE LANCASTER, PA 17601 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $0 | $15K | $15K | 2.96% |
| AON CONSULTING INC3 Filed as: AON | 199 WATER STREET NEW YORK, NY 10038 | ACE AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 20.00% |
| HGID INC3 | 320 GRANITE RUN DR LANCASTER, PA 176016806 | AMERITAS LIFE INSURANCE CORP | $2K | $0 | $2K | 5.59% |
| STUMM INSURANCE LLC3 | 6601 N AVONDALE AVE SUITE 201 CHICAGO, IN 60631 | SUN LIFE AND HEALTH INSURANCE COMPANY | $3K | $0 | $3K | 11.75% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | SUN LIFE AND HEALTH INSURANCE COMPANY | $507 | $339 | $846 | 3.71% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | SUN LIFE AND HEALTH INSURANCE COMPANY | $379 | $114 | $493 | 6.88% |
| STUMM INSURANCE LLC3 | 6601 N AVONDALE AVE SUITE 201 CHICAGO, IL 60631 | SUN LIFE AND HEALTH INSURANCE COMPANY | $189 | $0 | $189 | 2.64% |
| 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 | $604 | $80 | $684 | 12.42% |
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 | 8,287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 174 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 113 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,574 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENT HEALTH ASSOCIATION | 20 | $309K |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 6,908 | $6.6M |
| Vision(3 contracts, 3 carriers) | EYEMED VISION CARE | 12,540 | $701K |
| Life insurance(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 6,908 | $6.6M |
| Short-term disability(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 6,908 | $6.6M |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 6,908 | $6.6M |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 50 | $499K |
| Other(6 contracts, 6 carriers) | AETNA LIFE INSURANCE CO. | 8,018 | $11.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,540 | — |
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.