| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 100878852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $6K | — | $6K | 0.42% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $56K | $7K | $63K | 5.67% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | RELIASTAR LIFE INSURANCE COMPANY | — | $56K | $56K | 6.00% |
| BLUE CHIP BENEFITS3 | 410 ARCHIBALD ST. KANSAS CITY, MO 64111 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $76K | $15K | $91K | 11.93% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $30K | $30K | 4.00% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELWARE INC | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 100878852 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | — | $36K | 9.97% |
| BLUE CHIP BENEFITS3 | 410 ARCHIBALD ST KANSAS CITY, MO 64111 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $102K | $1K | $103K | 30.35% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $14K | $14K | 4.00% |
| BLUE CHIP BENEFITS3 | 410 ARCHIBALD ST KANSAS CITY, MO 64111 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26K | $5K | $30K | 11.89% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NC 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $10K | $10K | 4.00% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP BENEFITS, LLC | 2650 MCCORMICK DRIVE CLEARWATER, FL 33759 | HYATT LEGAL PLANS, INC. | $9K | — | $9K | 5.11% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP ADVISORS, LLC | 410 ARCHIBALD ST KANSAS CITY, MO 64111 | HYATT LEGAL PLANS, INC. | $8K | — | $8K | 4.39% |
| BLUE CHIP BENEFITS3 | 410 ARCHIBALD ST KANSAS CITY, MO 64111 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $48K | $2K | $50K | 31.20% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $6K | $6K | 4.00% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYE MED | $16K | — | $16K | 10.69% |
| BLUE CHIP BENEFITS3 | 410 ARCHIBALD ST KANSAS CITY, MO 64111 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $3K | $16K | 11.95% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $5K | $5K | 4.00% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP BENEFITS LLC | 410 ARCHIBALD STREET KANSAS CITY, MO 64111 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $31K | — | $31K | 25.00% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP BENEFITS LLC | 410 ARCHIBALD STREET KANSAS CITY, MO 64111 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $29K | — | $29K | 25.00% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYE MED | $8K | — | $8K | 9.15% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP BENEFITS LLC | 410 ARCHIBALD STREET KANSAS CITY, MO 64111 | REALIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 25.00% |
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 | 8,291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 294 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,166 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,751 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 3,571 | $2.7M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 164 | $2.0M |
| Vision(5 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 1,930 | $2.7M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 14,352 | $1.0M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $1.1M |
| Prescription drug | HMSA | 122 | $511K |
| Other(10 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 14,352 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,352 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.