| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $223K | $56K | $278K | 8.75% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $190K | $49K | $239K | 8.82% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | SECURIAN LIFE INSURANCE COMPANY | $102K | $26K | $128K | 8.72% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | RELIASTAR LIFE INSURANCE COMPANY | $117K | $44K | $161K | 27.55% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT HOLDING COMPANY LLC | DBA ALIGHT SOLUTIONS LLC 4 OVERLOOK PT LINCOLNSHIRE, IL 60069 | RELIASTAR LIFE INSURANCE COMPANY | — | $23K | $23K | 4.00% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $34K | — | $34K | 8.09% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $28K | $9K | $38K | 9.25% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | ARAG SERVICES, LLC | $27K | — | $27K | 16.35% |
| AON CONSULTING INC3 Filed as: AON SPECIAL RISK PRACTICE | ONE LIBERTY PLAZA 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | ACE AMERICAN INSURANCE COMPANY | $15K | — | $15K | 20.00% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | DELTA DENTAL INSURANCE COMPANY | $40 | — | $40 | 0.18% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | DELAWARE AMERICAN LIFE INSURANCE OF AMERICA | $423 | — | $423 | 8.00% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $240 | — | $240 | 8.00% |
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 | 4,198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 169 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 31 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 47 | $515K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 47 | $442K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO | 1,281 | $121K |
| Life insurance(5 contracts, 4 carriers) | SECURIAN LIFE INSURANCE COMPANY | 7,421 | $5.2M |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 5,010 | $3.3M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 5,010 | $3.3M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 9 | $94K |
| Other(10 contracts, 8 carriers) | SECURIAN LIFE INSURANCE COMPANY | 7,421 | $6.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,421 | — |
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.