| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN ROAD SUITE 357 GLENVIEW, IL 60025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $497K | — | $497K | 10.91% |
| THE HEALY GROUP INC.3 Filed as: THE HEALY GROUP | 17535 GENERATIONS DRIVE SOUTH BEND, IN 46635 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $396K | — | $396K | 8.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC. | C/O INNOTECH 233 SOUTH WACKER DRIVE SUITE 1875 CHICAGO, IL 606066400 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $219K | — | $219K | 4.81% |
| THE HEALY GROUP INC.3 | 17535 GENERATIONS DRIVE SOUTH BEND, IN 46635 | HEALTH RESOURCES, INC. | $149K | — | $149K | 5.00% |
| THE HEALY GROUP INC.3 | 17535 GENERATIONS DRIVE SOUTH BEND, IN 46635 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $273K | — | $273K | 19.87% |
| THE HEALY GROUP INC.3 | 17535 GENERATIONS DRIVE SOUTH BEND, IN 46635 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $209K | — | $209K | 19.53% |
| THE HEALY GROUP INC.3 | 17535 GENERATIONS DRIVE SOUTH BEND, IN 46635 | VISION SERVICE PLAN | $29K | — | $29K | 6.29% |
| THE HEALY GROUP INC.3 | 17535 GENERATIONS DRIVE SOUTH BEND, IN 46635 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | C/O INNOTECH 233 SOUTH WACKER DRIVE SUITE 1875 CHICAGO, IL 606066400 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.66% |
| THE HEALY GROUP INC.3 Filed as: THE HEALY GROUP | 17535 GENERATIONS DRIVE SOUTH BEND, IN 46635 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $613 | — | $613 | 1.87% |
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 | 10,142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | HEALTH RESOURCES, INC. | 14,277 | $3.0M |
| Vision | VISION SERVICE PLAN | 4,811 | $467K |
| Life insurance(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 10,142 | $5.7M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,988 | $1.4M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 781 | $180K |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 10,142 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,277 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.