| 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 | $31K | $68 | $31K | 2.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC. | 775 YARD STREET, SUITE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | — | $27K | $27K | 1.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR, SUITE 2000 CHICAGO, IL 60606 | RELIASTAR LIFE INSURANCE COMPANY | $87K | — | $87K | 6.10% |
| STEVEN PAPPADAKES3 | 4162 LEONA DR ROCKY RIVER, OH 44116 | RELIASTAR LIFE INSURANCE COMPANY | $82K | — | $82K | 5.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S WACKER DR SUITE 2000 CHICAGO, IA 60606 | RELIASTAR LIFE INSURANCE COMPANY | $30K | — | $30K | 2.08% |
| 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 | $23K | — | $23K | 5.92% |
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 | 12,832 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,832 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,726 | $1.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 4,726 | $1.5M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 12,832 | $1.4M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 12,832 | $1.4M |
| Prescription drug | ENVISIONRX | 3,836 | $0 |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,836 | $388K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 12,832 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,832 | — |
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.