| 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 | $198K | $123K | $321K | 2.80% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST., STE. 1700 BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | $181K | $54K | $235K | 2.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $80K | — | $80K | 0.70% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $7K | $7K | 0.12% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 COMMISSION LOCKBOX #28852 NEW YORK, NY 100878852 | CONTINENTAL AMERICAN INSURANCE COMPANY | $643K | — | $643K | 12.72% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $487K | — | $487K | 9.64% |
| REDTAIL LTD3 Filed as: REDTAIL LTD. | 9999 BREWSTER LANE STE. 100 POWELL, OH 43065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30K | — | $30K | 0.60% |
| FRANK ZACCANELLI3 | 1201 ELM STREET #3800 DALLAS, TX 75270 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 0.25% |
| ANDREW H NEPORENT3 | 1201 ELM ST. #3800 DALLAS, TX 75270 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 0.13% |
| JOHN D SUSIE3 | 8682 HAWICK CT N DUBLIN, OH 43017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $460 | — | $460 | 0.01% |
| JACK A SHADE3 | 470 OLDE WORTHINGTON RD STE 250 WESTERVILLE, OH 43082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $43K | — | $43K | 2.30% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | VISION SERVICE PLAN | $22K | — | $22K | 1.19% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 COMMISSION LOCKBOX #28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 0.39% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.14% |
| 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 | 28,944 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 28,973 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 917 | $5.7M |
| Vision | VISION SERVICE PLAN | 14,617 | $1.9M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 11,898 | $11.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 11,898 | $11.5M |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 28,944 | $5.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,944 | — |
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.