| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NC 10087 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $442K | $88K | $530K | 12.82% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | BLUECROSS BLUESHIELD OF ILLINOIS | $5K | $576 | $5K | 0.58% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $180K | — | $180K | 40.05% |
| ANTHEM INSURANCE COMPANIES, INC.0 | 120 MONUMENT CIRCLE INDIANAPOLIS, IN 46204 | FOUR EVER LIFE INSURANCE CO. | — | $1K | $1K | 4.00% |
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 | 4,088 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 116 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,071 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 108 | $1.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 10 | $65K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 10 | $105K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 7,426 | $4.1M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 7,426 | $4.1M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 7,426 | $4.1M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 7,426 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,426 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.