| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $23K | $23K | 0.53% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $7K | $7K | 0.53% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | HYATT LEGAL PLANS | $17K | $2K | $19K | 11.53% |
| J MANNING AND ASSOCIATES3 | 200 N S GREEN ST. CHICAGO, IL 60607 | COMBINED INSURANCE | $41K | $0 | $41K | 45.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | COMBINED INSURANCE | $25K | $0 | $25K | 27.00% |
| LTCI PARTNERS LLC3 | 100 N. FIELD DRIVE SUITE 310 LAKE FOREST, IL 60045 | COMBINED INSURANCE | $16K | $0 | $16K | 18.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSIONS LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 701 MARKET STREET, SUITE 1100 ST. LOUIS, MO 63101 | ACE AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 25.72% |
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 | 6,094 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 89 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 429 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,612 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 394 | $3.3M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 180 | $147K |
| Vision | VISION SERVICE PLAN | 5,276 | $703K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 6,173 | $4.4M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 7,929 | $1.4M |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 394 | $3.3M |
| Other(5 contracts, 5 carriers) | HYATT LEGAL PLANS | 8,843 | $478K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,843 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.