| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 111 E KILBOURN AVENUE SUITE 1850 MILWAUKEE, WI 53202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $88K | — | $88K | 11.03% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORIDA | 200 E RANDOLPH ST CHICAGO, IL 60601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $59K | — | $59K | 7.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | SERVICES WEST INC 525 MARKET ST, SUITE 3400 SAN FRANCISCO, CA 94105 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $315 | $315 | 0.04% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $2K | — | $2K | 2.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 93033 NETWORK PLACE CHICAGO, IL 606731930 | VISION SERVICE PLAN | $107 | — | $107 | 0.13% |
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 | 1,101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 691 | $82K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,031 | $801K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,031 | $801K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,031 | $801K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,045 | $816K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,045 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.