| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | STANDARD LIFE INSURANCE COMPANY | $295K | — | $295K | 3.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD LIFE INSURANCE COMPANY | $111K | — | $111K | 1.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 13965 W CHINDEN BLVD STE 300 BOISE, ID 83713 | STANDARD LIFE INSURANCE COMPANY | $88K | — | $88K | 1.10% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $144K | — | $144K | 3.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $71K | — | $71K | 1.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 13965 W CHINDEN BLVD STE 300 BOISE, ID 83713 | STANDARD INSURANCE COMPANY | $57K | — | $57K | 1.53% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | VISION SERVICE PLAN | $68K | — | $68K | 3.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | GERBER LIFE INSURANCE COMPANY | $5K | — | $5K | 11.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 13965 W. CHINDEN BOULEVARD SUITE 300 BOISE, ID 83713 | GERBER LIFE INSURANCE COMPANY | $2K | — | $2K | 3.72% |
| MERCER HEALTH AND BENEFITS, LLC4 Filed as: MERCER HEALTH & BENEFITS AD | PO BOX 310502 DES MOINES, IA 50331 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 10.00% |
| THOMAS OWENS4 | PO BOX 781431 WICHITA, KS 67278 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 5.00% |
| AARON C CREPS4 | 3600 GALT OCEAN DR APT 2E FT LAUDERDALE, FL 33308 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $466 | — | $466 | 2.08% |
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 | 25,302 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 97 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 25,399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,337 | $7.3M |
| Dental | AETNA LIFE INSURANCE CO | 2,331 | $672K |
| Vision | VISION SERVICE PLAN | 15,920 | $1.8M |
| Life insurance | STANDARD LIFE INSURANCE COMPANY | 23,844 | $8.0M |
| Long-term disability | STANDARD INSURANCE COMPANY | 9,503 | $3.7M |
| Other(2 contracts, 2 carriers) | GERBER LIFE INSURANCE COMPANY | 187 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,844 | — |
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.