| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $15K | $16K | 0.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF GEORGIA | 1 GLENLAKE PKWY 11TH FLOOR ATLANTA, GA 30328 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $691 | $8K | 0.43% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST 8TH FL BUFFALO, NY 14204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 0.09% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 3600 N CAPITAL OF TX HWY BLD #100 AUSTIN, TX 78746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.17% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT ST SUITE 800 BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $492 | $492 | 1.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES | 5 CONCOURSE PARKWAY NE 18TH FL ATLANTA, GA 30328 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$62 | — | -$62 | -0.17% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 3600 N CAPITAL OF TX HWY BLD B #100 AUSTIN, TX 78746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.81% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT ST SUITE 800 BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $359 | $359 | 4.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES | 5 CONCOURSE PARKWAY NE 18TH FL ATLANTA, GA 30328 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$70 | — | -$70 | -0.80% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 3600 N CAPITAL OF TX HWY BLD B#100 AUSTIN, TX 78746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $777 | — | $777 | 15.20% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT ST SUITE 800 BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $37 | $37 | 0.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES | 5 CONCOURSE PARKWAY NE 18TH FL ATLANTA, GA 30328 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$11 | — | -$11 | -0.22% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 3600 N CAPITAL OF TX HWY BLD B #100 AUSTIN, TX 78746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $714 | — | $714 | 15.81% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT ST SUITE 800 BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $191 | $191 | 4.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES | 5 CONCOURSE PARKWAY NE 18TH FL ATLANTA, GA 30328 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$37 | — | -$37 | -0.82% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE 785439 | 3600 N CAPITAL OF TX HWY BLD #100 AUSTIN, TX 78746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 46.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES 704046 | 5 CONCOURSE PARKWAY NE 18TH FL ATLANTA, GA 30328 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$1 | — | -$1 | -0.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE 785439 | 3600 N CAPITAL OF TX HWY BLD #100 AUSTIN, TX 78746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 47.18% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET SUITE 800 BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$1 | — | -$1 | -0.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES 704046 | 5 CONCOURSE PARKWAY NE 18TH FL ATLANTA, GA 30328 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$4 | — | -$4 | -0.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA,INC | FIVE CONCOURSE PKY, FLOOR 18 ATLANTA, GA 30328 | FEDERAL INSURANCE COMPANY | $455 | — | $455 | 17.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE 785439 | 3600 N CAPITAL OF TX HWY BLD #100 AUSTIN, TX 78746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 47.46% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET SUITE 800 BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$5 | — | -$5 | -0.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES | 5 CONCOURSE PARKWAY NE 18TH FL ATLANTA, GA 30328 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$16 | — | -$16 | -0.60% |
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 | 264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 490 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 490 | $2.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 490 | $2.0M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 676 | $37K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 355 | $9K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 355 | $5K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 490 | $2.0M |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 576 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 676 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.