| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $104K | — | $104K | 5.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $86K | $33K | $119K | 6.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $23K | $2K | $25K | 16.27% |
| ELIZABETH GRELLNER3 | 101 S HANLEY ROAD STE 900 ST LOUIS, MO 63105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | — | $21K | 30.49% |
| JEREMY M SKEETERS3 | 23645 N 55TH DR GLENDALE, AZ 85310 | CONTINENTAL AMERICAN INSURANCE COMPANY | $471 | — | $471 | 0.67% |
| ERIN BRZOZOWSKI, INC.3 | 2 LIBERTY DR LEMONT, IL 60439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $391 | — | $391 | 0.56% |
| MARK D BARBIER3 | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $103 | — | $103 | 0.15% |
| DAVID ABOULAFIA3 Filed as: DAVID S ABOULAFIA | 1 SPENCER STREET ST AUGUSTINE, FL 32084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | — | $61 | 0.09% |
| LYNN M SPEARS3 | 928 COLLINSWOOD DR JACKSONVILLE, FL 32225 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | — | $52 | 0.07% |
| TODD DEVOSS3 | 321 N CLARK STREET SUITE 625 CHICAGO, FL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.04% |
| THOMAS J OLLER3 | 49 SWIMMING PEN DR MIDDLEBURG, FL 32068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.04% |
| JOSEPH A NASCA3 | 28081 W MAPLE AVE BARRINGTON, IL 60010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.04% |
| TROY D DESLATTE3 | 107 SHADY PARK DRIVE LAFAYETTE, LA 70508 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| MARIE MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| JESSICA Z CHONICH3 | 4932 N CALIFORNIA AVE CHICAGO, IL 60625 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 W MONROE SUITE 500 CHICAGO, IL 60603 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD FLOOR 14B CHICAGO, IL 60604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| PIETRO CATALANO3 | 11 W KENILWORTH AVE PROSPECT HTS, IL 60070 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 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 | 2,157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 76 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,343 | $1.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,343 | $1.7M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,942 | $1.8M |
| Other(5 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 2,343 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,343 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.