| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 330 COLLEGE AVE. APPLETON, WI 54911 | DELTA DENTAL OF OHIO | $817 | — | $817 | 0.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 1001 LAKESIDE AVE STE 1600 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $2K | $18K | 4.46% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC | PO BOX 7505 FORT WASHINGTON, PA 19034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $3K | $18K | 4.38% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC | PO BOX 7505 FORT WASHINGTON, PA 19034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $888 | $888 | 0.61% |
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 | 908 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 915 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA INTERNATIONAL | 100 | $0 |
| Dental | DELTA DENTAL OF OHIO | 1,507 | $491K |
| Vision | VISION SERVICE PLAN | 565 | $125K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 909 | $412K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 896 | $147K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 909 | $412K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,507 | — |
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."
No prospect flags tripped on this filing.