| 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 | $326K | $109K | $436K | 5.34% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 COMMISSION LOCKBOX #28852 NEW YORK, NY 100878852 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1.5M | — | $1.5M | 24.44% |
| REDTAIL LTD3 Filed as: REDTAIL LTD. | 9999 BREWSTER LANE STE. 100 POWELL, OH 43065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $88K | — | $88K | 1.40% |
| FRANK ZACCANELLI3 | 1201 ELM STREET #3800 DALLAS, TX 75270 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39K | — | $39K | 0.62% |
| ANDREW H NEPORENT3 | 1201 ELM ST. #3800 DALLAS, TX 75270 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | — | $17K | 0.28% |
| JOHN D SUSIE3 | 8682 HAWICK CT N DUBLIN, OH 43017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $882 | — | $882 | 0.01% |
| JACK A SHADE3 | 470 OLDE WORTHINGTON RD STE 250 WESTERVILLE, OH 43082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $3K | $3K | 0.06% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | VISION SERVICE PLAN | $96K | — | $96K | 5.31% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 COMMISSION LOCKBOX #28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $17K | $10K | $28K | 3.39% |
| WILLIS TOWERS WATSON US LLC3 | 600 UNIVERSITY ST. #3100 SEATTLE, WA 98101 | ZURICH AMERICAN INSURANCE COMPANY | $7K | — | $7K | 15.00% |
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 | 28,785 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 603 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 29,388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 910 | $5.6M |
| Vision | VISION SERVICE PLAN | 14,728 | $1.8M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 28,316 | $8.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 28,316 | $8.2M |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 28,785 | $7.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,785 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.