| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $43K | $43K | 1.82% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $27K | $27K | 1.96% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - HOUSTON | PO BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 8.11% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $135 | $10K | 3.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 15305 DALLAS PKWY STE 1100 ADDISON, TX 75001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $3 | $3K | 1.21% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - HOUSTON | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $919 | $1K | $2K | 0.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 15305 DALLAS PKWY STE 1100 COLONNADE III ADDISON, TX 75001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $650 | $4 | $654 | 0.23% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - HOUSTON | PO BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | — | $11K | 4.69% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 15305 N DALLAS PKWY STE 1100 COLONADE III ADDISON, TX 75001 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.79% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - HOUSTON | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $281 | $725 | $1K | 0.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 15305 DALLAS PKWY STE 1100 ADDISON, TX 75001 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $159 | — | $159 | 0.07% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE MCCULLUGH | 14715 NE 95TH ST REDMOND, WA 98052 | LIFESECURE INSURANCE COMPANY | $40K | — | $40K | 17.74% |
| LONG TERM CARE SOLUTIONS, INC.3 | 14715 NE 95TH ST REDMOND, WA 98052 | LIFESECURE INSURANCE COMPANY | $7K | — | $7K | 3.21% |
| AMERICAN INDEPENDENT MARKETING3 | 511 WEST A ST YAKIMA, WA 98902 | LIFESECURE INSURANCE COMPANY | $1K | — | $1K | 0.47% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $19K | — | $19K | 11.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | 15305 DALLAS PKWY STE 1100 ADDISON, TX 75001 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS LIFE INC | 500 N AKARD ST STE 4300 DALLAS, TX 75201 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $346 | — | $346 | 0.21% |
| AON CONSULTING INC3 Filed as: AON | 5555 SAN FELIPE SUITE 1500 HOUSTON, TX 77056 | 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 | 48,640 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 48,665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HM LIFE INSURANCE COMPANY | 8,003 | $462K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,780 | $1.6M |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,292 | $2.5M |
| Other(5 contracts, 5 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 48,640 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 48,640 | — |
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.