| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $46K | $16K | $62K | 6.79% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $7K | $41K | 4.73% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $15K | $2K | $17K | 17.14% |
| ELIZABETH GRELLNER3 | 101 S HANLEY ROAD STE 900 ST LOUIS, MO 63105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27K | — | $27K | 29.92% |
| JEREMY M SKEETERS3 | 6634 ROY ROGERS RD PHOENIX, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $216 | — | $216 | 0.24% |
| ERIN BRZOZOWSKI, INC.3 | 2 LIBERTY DR LEMONT, IL 60439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $181 | — | $181 | 0.20% |
| DAVID ABOULAFIA3 Filed as: DAVID S ABOULAFIA | 1 SPENCER STREET ST AUGUSTINE, FL 32084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | — | $78 | 0.09% |
| LYNN M SPEARS3 | 928 COLLINSWOOD DR JACKSONVILLE, FL 32225 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 0.07% |
| MARK D BARBIER3 | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.05% |
| THOMAS J OLLER3 | 49 SWIMMING PEN DR MIDDLEBURG, FL 32068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.04% |
| TROY D DESLATTE3 | 107 SHADY PARK DRIVE LAFAYETTE, LA 70508 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.02% |
| TODD DEVOSS3 | 321 N CLARK STREET SUITE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| JOSEPH A NASCA3 | 28081 W MAPLE AVE BARRINGTON, IL 60010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| MARIE MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| TREVOR FENNELL3 Filed as: TREVOR R FENNELL | 133 WEST 22ND ST NEW YORK, NY 10011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $0 | $34 | $34 | — |
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 | 1,789 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 117 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,906 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,745 | $464K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,454 | $1.8M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,454 | $1.8M |
| Other(6 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 3,454 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,454 | — |
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.