| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 COMMISSION LOCKBOX #28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $424K | $197K | $621K | 5.86% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $3K | $3K | 0.05% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 COMMISSION LOCKBOX #28852 NEW YORK, NY 100878852 | CONTINENTAL AMERICAN INSURANCE COMPANY | $586K | — | $586K | 27.86% |
| REDTAIL LTD3 | 9999 BREWSTER LANE STE 100 POWELL, OH 43065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35K | — | $35K | 1.65% |
| FRANK ZACCANELLI3 | 1201 ELM STREET #3800 DALLAS, TX 75270 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 0.68% |
| ANDREW H NEPORENT3 | 1201 ELM ST #3800 DALLAS, TX 75270 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 0.48% |
| JOHN D SUSIE3 | 8682 HAWICK CT N DUBLIN, OH 43017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $494 | — | $494 | 0.02% |
| JACK A SHADE3 | 470 OLDE WORTHINGTON RD STE 250 WESTERVILLE, OH 43082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | VISION SERVICE PLAN | $69K | — | $69K | 3.68% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 COMMISSION LOCKBOX #28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $22K | $12K | $34K | 3.62% |
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 | 17,550 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 862 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,009 | $5.5M |
| Vision | VISION SERVICE PLAN | 15,708 | $1.9M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 29,622 | $10.6M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 29,622 | $10.6M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 9,596 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 29,622 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.