| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 2000 S COLORADO BLVD STE 900 DENVER, CO 80222 | DELTA DENTAL OF COLORADO | $62K | — | $62K | 6.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 62877 COLLECTIONS CENTER DR CHICAGO, IL 60693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $45K | — | $45K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 7733 FORSYTH BLVD STE 1350 SAINT LOUIS, MO 63105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 1.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 62877 COLLECTIONS CENTER DR CHICAGO, IL 60693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | — | $22K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 7733 FORSYTH BLVD STE 1350 SAINT LOUIS, MO 63105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 1.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 62877 COLLECTIONS CENTER DR CHICAGO, IL 60693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33K | — | $33K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 7733 FORSYTH BLVD STE 1350 SAINT LOUIS, MO 63105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 2.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 62877 COLLECTIONS CENTER DR CHICAGO, IL 60693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33K | — | $33K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 7733 FORSYTH BLVD STE 1350 SAINT LOUIS, MO 63105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 2.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 62877 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $14K | — | $14K | 7.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 62877 COLLECTIONS CENTER DR CHICAGO, IL 60693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 7733 FORSYTH BLVD STE 1350 SAINT LOUIS, MA 63105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 62877 COLLECTION CENTER DR CHICAGO, IL 60693 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 12.69% |
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 | 1,234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 2,706 | $949K |
| Vision | VISION SERVICE PLAN | 922 | $201K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,237 | $859K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,237 | $441K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,237 | $326K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,237 | $498K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,706 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.