| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 4557 NEW YORK, NY 10249 | AETNA LIFE INSURANCE CO. | $18K | — | $18K | 0.30% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA STREET SAN FRANCISCO, CA 94111 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 0.03% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69K | — | $69K | 44.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET NEW YORK, NY 10281 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27K | — | $27K | 17.56% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 9.25% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 7.99% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 55439 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | — |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $210 | $2K | — |
| MONTSHIRE GLOBAL DISTRIBUTORS3 | 410 ARCHIBALD ST KANSAS CITY, MO 64111 | METROPOLITAN LIFE INSURANCE COMPANY | $917 | — | $917 | — |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $543 | $5K | — |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 55439 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | — |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $132 | $2K | — |
| MONTSHIRE GLOBAL DISTRIBUTORS3 | 410 ARCHIBALD ST KANSAS CITY, MO 64111 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | — |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 55439 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | — |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $130 | $2K | — |
| MONTSHIRE GLOBAL DISTRIBUTORS3 | 410 ARCHIBALD ST KANSAS CITY, MO 64111 | METROPOLITAN LIFE INSURANCE COMPANY | $823 | — | $823 | — |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 55439 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | — |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $917 | $104 | $1K | — |
| MONTSHIRE GLOBAL DISTRIBUTORS3 | 410 ARCHIBALD ST KANSAS CITY, MO 64111 | METROPOLITAN LIFE INSURANCE COMPANY | $550 | — | $550 | — |
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 | 657 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 667 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 1,010 | $6.1M |
| Dental | AETNA LIFE INSURANCE CO. | 1,010 | $6.1M |
| Vision | AETNA LIFE INSURANCE CO. | 1,010 | $6.1M |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 342 | $103K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $63K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $63K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 1,010 | $6.1M |
| Other(6 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 814 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,010 | — |
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.