| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC. | 775 YARD ST., STE. 200 COLUMBUS, OH 432123891 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $6K | 5.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 775 YARD ST., STE. 200 COLUMBUS, OH 432123891 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $61 | $4K | 4.41% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC. | 75 REMITTANCE DRIVE DEPT 1446 NORTHERN TRUST BANK CHICAGO, IL 60675 | METROPOLITAN LIFE INSURANCE COMPANY | $854 | $77 | $931 | 0.94% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC. | 29840 NETWORK PLACE CHICAGO, IL 606731299 | METROPOLITAN LIFE INSURANCE COMPANY | — | $107 | $107 | 0.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC. | 775 YARD ST., STE. 200 COLUMBUS, OH 432123891 | METROPOLITAN LIFE INSURANCE COMPANY | — | $61 | $61 | 0.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 93245 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $228 | $3K | 10.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC. | 1001 LAKESIDE AVE. E, STE 1500 CLEVELAND, OH 441141151 | VISION SERVICE PLAN | $2K | — | $2K | 7.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 93245 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $128 | $3K | 15.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 93245 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $375 | $30 | $405 | 10.81% |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 371 | $99K |
| Vision | VISION SERVICE PLAN | 113 | $24K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 214 | $32K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 187 | $18K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 212 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.