| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $74K | $14K | $88K | 5.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | SUN LIFE ASSURANCE COMPANY OF CANADA | $50K | — | $50K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $15K | — | $15K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 3.98% |
| ERIN BRZOZOWSKI, INC.3 | 2 LIBERTY DR LEMONT, IL 60439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $771 | — | $771 | 1.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 W MONROE STE 500 CHICAGO, IL 60603 | CONTINENTAL AMERICAN INSURANCE COMPANY | $668 | — | $668 | 0.92% |
| JEREMY M SKEETERS3 | 23645 N 55TH DR GLENDALE, AZ 85310 | CONTINENTAL AMERICAN INSURANCE COMPANY | $495 | — | $495 | 0.68% |
| DAVID ABOULAFIA3 Filed as: DAVID S ABOULAFIA | 1 SPENCER STREET ST AUGUSTINE, FL 32084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $174 | — | $174 | 0.24% |
| MARK D BARBIER3 | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $159 | — | $159 | 0.22% |
| LYNN M SPEARS3 | 928 COLLINSWOOD DR JACKSONVILLE, FL 32225 | CONTINENTAL AMERICAN INSURANCE COMPANY | $146 | — | $146 | 0.20% |
| THOMAS J OLLER3 | 49 SWIMMING PEN DR MIDDLEBURG, FL 32068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | — | $70 | 0.10% |
| TODD DEVOSS3 | 321 N CLARK STREET STE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 0.08% |
| TROY D DESLATTE3 | 107 SHADY PARK DRIVE LAFAYETTE, LA 70508 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.07% |
| JOSEPH A NASCA3 | 28081 W MAPLE AVE BARRINGTON, IL 60010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.05% |
| JESSICA Z CHONICH3 | 4932 N CALIFORNIA AVE CHICAGO, IL 60625 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.03% |
| PIETRO CATALANO3 | 11 W KENILWORTH AVE PROSPECT HTS, IL 60070 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| MARIE MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| TREVOR FENNELL3 Filed as: TREVOR R FENNELL | 133 W 22ND ST NEW YORK, NY 10011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 1,952 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 63 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,015 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,107 | $1.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,107 | $1.5M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,955 | $997K |
| Other(5 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 2,107 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,107 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.