| 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 NATIONAL LIFE INSURANCE COMPANY | — | $55K | $55K | 1.56% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $21K | $21K | 1.55% |
| MARK S HEBERT3 | 500 N AKARD ST SUITE 4100 DALLAS, TX 75201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $142K | — | $142K | 29.28% |
| J MANNING AND ASSOCIATES3 | 200 N S GREEN ST. CHICAGO, IL 60607 | COMBINED INSURANCE | $14K | $0 | $14K | 5.91% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | COMBINED INSURANCE | $8K | $0 | $8K | 3.55% |
| LTCI PARTNERS LLC3 | 100 N. FIELD DRIVE SUITE 310 LAKE FOREST, IL 60045 | COMBINED INSURANCE | $5K | $0 | $5K | 2.36% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | HYATT LEGAL PLANS | $16K | $3K | $18K | 11.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | 1 UPPER POND RD BLDG F PARSIPPANY, NJ 07054 | HYATT LEGAL PLANS | — | $28 | $28 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DR, STE 1500 CHICAGO, IL 60606 | MAGELLAN HEALTHCARE | — | $3K | $3K | 3.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET NEW YORK, NY 10281 | ACE AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 25.00% |
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 | 5,702 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 95 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 559 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 409 | $4.4M |
| Dental(2 contracts, 2 carriers) | CARE PLUS DENTAL PLANS, INC | 172 | $63K |
| Vision | VISION SERVICE PLAN | 4,748 | $765K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,447 | $3.6M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,333 | $1.3M |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 409 | $4.4M |
| Other(6 contracts, 6 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 7,723 | $999K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,723 | — |
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.