| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF DELAWARE, INC. | PO BOX 2287 WILMINGTON, DE 19899 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $753 | $7K | 2.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 222 DELAWARE AVENUE, SUITE 1000 WILMINGTON, DE 19801 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $629 | $2K | 0.81% |
| WELLS FARGO INSURANCE SERVICES3 | 100 NE 3RD AVENUE, SUITE 1050 FORT LAUDERDALE, FL 33301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $205 | $1K | 0.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF DELAWARE, INC. | 222 DELAWARE AVENUE, SUITE 1000 WILMINGTON, DE 19801 | METROPOLITAN LIFE INSURANCE COMPANY | — | $25 | $25 | 0.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 222 DELAWARE AVENUE, SUITE 1000 WILMINGTON, DE 19801 | METROPOLITAN LIFE INSURANCE COMPANY | — | $16 | $16 | 0.01% |
| WELLS FARGO INSURANCE SERVICES3 | 100 NE 3RD AVENUE, SUITE 1050 FORT LAUDERDALE, FL 33301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $569 | $6K | 8.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203334 DALLAS, TX 75320 | METROPOLITAN LIFE INSURANCE COMPANY | — | $27 | $27 | 0.06% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 222 DELAWARE AVENUE, SUITE 1000 WILMINGTON, DE 19801 | METROPOLITAN LIFE INSURANCE COMPANY | — | $24 | $24 | 0.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF DELAWARE, INC. | PO BOX 2287 WILMINGTON, DE 19899 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $53 | $3K | 11.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF DELAWARE, INC. | PO BOX 2287 WILMINGTON, DE 19899 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 17.07% |
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 | 592 | 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) | 592 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HIGHMARK | 460 | $2.8M |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 588 | $195K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 621 | $336K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 621 | $336K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 621 | $325K |
| Prescription drug(2 contracts) | HIGHMARK | 460 | $2.8M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 621 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 621 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.