| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO | 775 YARD STREET GRANDVIEW HEIGHTS, OH 43212 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $58K | $6K | $64K | 4.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO | 775 YARD STREET GRANDVIEW HEIGHTS, OH 43212 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $23K | $2K | $25K | 4.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO | 775 YARD ST GRANDVIEW HEIGHTS, OH 43212 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $9 | $9 | 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 | 2,720 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 120 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 117 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,957 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,069 | $1.3M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,529 | $199K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,011 | $528K |
| Other(3 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,069 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,069 | — |
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.