| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $0 | $45K | $45K | 2.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | PO BOX 28852 NEW YORK, NY 10087 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $27K | $11K | $39K | 3.10% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $0 | $22K | $22K | 2.25% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILLIS TOWERS WATSON US LLC PLAN ADMINISTRATOR | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 15303 VENTURA BLVD #700 SHERMAN OAKS, CA 91403 | $14K |
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 | 7,195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,904 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 9,099 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 5,459 | $1.7M |
| Life insurance(3 contracts) | SECURIAN LIFE INSURANCE COMPANY | 9,027 | $3.2M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 7,095 | $1.3M |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 6,468 | $686K |
| Other(3 contracts, 3 carriers) | AETNA BEHAVIORAL HEALTH, LLC | 17,124 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,124 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.