| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMUNITY INSURANCE LLC3 Filed as: COMMUNITY INSYRANCE COMPANY | — | ANTHAM | $187K | — | $187K | 4.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 1001 LAKESIDE AVE STE 1600 CLEVELAND, OH 44114 | DELTA DENTAL | $179K | $173K | $352K | 12.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON WEST | PO BOX 101162 PASADENA, CA 91189 | RELIASTAR | — | $115K | $115K | 6.00% |
| RINGMASTER INSURANCE AGENCY LLC3 Filed as: RINGMASTER INSURANCE AGENCY | 5200 TOWN CENTER CIRCLE STE - 540 BOCA RATON, FL 33486 | RELIASTAR | — | $1K | $1K | 0.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 1001 LAKESIDE AVE STE 1600 CLEVELAND, OH 44114 | EYEMED VISION CARE | $31K | — | $31K | 4.42% |
| MORGAN & FRANZ INSURANCE AND3 Filed as: MORGAN & FRANZ INSURANCE & FINANCIA | 10606 TRADEMARK PKWY N. #201A RANCHO CUCAMONGA, CA 91730 | KAISER PERMANENTE | $9K | — | $9K | 3.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 1001 LAKESIDE AVE STE 1600 CLEVELAND, OH 44114 | EYEMED VISION CARE | $3K | — | $3K | 4.64% |
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 | 5,415 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,455 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.