| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 233 S WACKER DRIVE, SUITE 200 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $31 | $35K | 2.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC. | 775 YARD STREET, SUITE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $18K | $18K | 1.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR., SUITE 2000 CHICAGO, OH 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $8K | $11K | 0.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR, SUITE 2000 CHICAGO, IL 60606 | RELIASTAR LIFE INSURANCE COMPANY | $186K | $0 | $186K | 13.22% |
| STEVEN PAPPADAKES3 | 4162 LEONA DR ROCKY RIVER, OH 44116 | RELIASTAR LIFE INSURANCE COMPANY | $162K | $0 | $162K | 11.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | 525 MARKET STREET, SUITE 3400 SAN FRANCISCO, CA 94105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | $0 | $22K | 5.90% |
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 | 14,235 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 14,235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,846 | $1.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 4,846 | $1.5M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 14,235 | $1.4M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 14,235 | $1.4M |
| Prescription drug | ENVISIONRX | 3,976 | $0 |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,976 | $373K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 14,235 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,235 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.