| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $20K | $20K | 1.41% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $15K | $15K | 1.43% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - HOUSTON | PO BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19K | — | $19K | 5.70% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 2.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | 15305 N DALLAS PKWY, STE 1100 COLONNADE III ADDISON, TX 75001 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 1.08% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - HOUSTON | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $743 | $1K | $2K | 0.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | SERVICES WEST, INC. STE 1100 15305 DALLAS PKWY ADDISON, TX 75001 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $484 | — | $484 | 0.14% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 6.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - HOUSTON | PO BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 3.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | 15305 N DALLAS PKWY STE 1100 COLONNADE III ADDISON, TX 75001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 1.83% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - HOUSTON | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $615 | $2K | 0.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | SERVICES WEST, INC. STE 1100 15305 DALLAS PKWY ADDISON, TX 75001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $897 | — | $897 | 0.27% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $20K | — | $20K | 9.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | 15305 DALLAS PKWY STE 1100 ADDISON, TX 75001 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $7K | — | $7K | 3.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS LIFE INC | 15305 DALLAS PKWY STE 1100 ADDISON, TX 75001 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.68% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE MCCULLUGH | 14715 NE 95TH ST REDMOND, WA 98052 | LIFESECURE INSURANCE COMPANY | $75K | — | $75K | 51.55% |
| LONG TERM CARE SOLUTIONS, INC.3 | 14715 NE 95TH ST REDMOND, WA 98052 | LIFESECURE INSURANCE COMPANY | $36 | — | $36 | 0.02% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE M MCCULLUGH | 14715 NE 95TH STREET REDMOND, WA 98052 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 11.25% |
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 | 44,211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 44,226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HM LIFE INSURANCE COMPANY | 8,392 | $452K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 7,064 | $1.4M |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,985 | $1.6M |
| Other(5 contracts, 5 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 44,211 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 44,211 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.