| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | MEDMUTUAL LIFE INSURANCE COMPANY | $347K | — | $347K | 2.61% |
| WILLIS TOWERS WATSON US LLC3 | 345 CALIFORNIA STREET SUITE 200 SAN FRANCISCO, CA 94104 | TRUSTMARK INSURANCE COMPANY | $162K | — | $162K | 7.53% |
| RUTH LARKIN3 | 2049 WADSWORTH BLVD SUITE K, BOX 202 LAKEWOOD, CO 80214 | TRUSTMARK INSURANCE COMPANY | $162K | — | $162K | 7.53% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 14546 BROOK HOLLOW BLVD #281 SAN ANTONIO, TX 78232 | TRUSTMARK INSURANCE COMPANY | $108K | — | $108K | 5.02% |
| J MANNING AND ASSOCIATES3 | 167 N GREEN ST FLOOR 4 CHICAGO, IL 60607 | TRUSTMARK INSURANCE COMPANY | $108K | — | $108K | 5.02% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | PO BOX 746600 ATLANTA, GA 303746600 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $15K | $32K | 1.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $23K | $23K | 1.44% |
| DAVID DICKENSON III3 Filed as: DAVID S. DICKENSON II | 6325 COCHRAN RD STE 1 SOLON, OH 44139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $225K | — | $225K | 14.63% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $115K | $12K | $127K | 10.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WATSON WYATT & COMPANY | 901 N. GLEBE ROAD ARLINGTON, VA 22203 | METLIFE LEGAL PLANS | — | $5K | $5K | 0.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | 1 UPPER POND RD BLDG F PARSIPPANY, NC 07054 | METLIFE LEGAL PLANS | — | $4K | $4K | 0.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $36K | $36K | 3.14% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | PO BOX 746600 ATLANTA, GA 303746600 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $12K | $23K | 2.04% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 75 STATE ST STE 1710 BOSTON, MA 02109 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $46K | — | $46K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 02109 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $21K | $21K | 2.24% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | PO BOX 746600 ATLANTA, GA 303746600 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $4K | $15K | 1.99% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | PO BOX 746600 ATLANTA, GA 303746600 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $3K | $13K | 1.99% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS INC | 120 GILLS CREEK PKWY COLUMBIA, SC 292091252 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $7K | $36K | 8.65% |
| GREGORY J. LOUGH3 | 9970 CAMPTON RIDGE CHARDON, OH 44024 | GUARDIAN | $28K | — | $28K | 10.00% |
| AMY P. DICKENSON3 | 220 GLEN RD MORELAND HILLS, OH 44022 | GUARDIAN | $28K | — | $28K | 10.00% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON MEDICAL SOLUTIONS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | MEDMUTUAL LIFE INSURANCE COMPANY | $7K | — | $7K | 2.47% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $203 | $9K | 4.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 1001 LAKESIDE AVE STE 1600 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $391 | — | $391 | 0.20% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | PO BOX 746600 ATLANTA, GA 303746600 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 9970 CAMPTON RIDGE CHARDON, OH 44024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.44% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD STE 100 NEW CASTLE, PA 16105 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | $3K | $10K | 9.00% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS INC | 120 GILLS CREEK PKWY COLUMBIA, SC 292091252 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 8.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 9970 CAMPTON RIDGE CHARDON, OH 44024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.68% |
| AMY P. DICKENSON3 | 6325 COCHRAN RD STE 1 SOLON, OH 44139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.94% |
| DAVID DICKENSON III3 Filed as: DAVID S. DICKENSON II | 6325 COCHRAN RD STE 1 SOLON, OH 44139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $512 | — | $512 | 0.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W. GOLF RD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $468 | $468 | 0.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 1001 LAKESIDE AVE STE 1600 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $833 | $4K | 6.05% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS INC | 120-A GILLS CREEK PARKWAY COLUMBIA, SC 29209 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 11.97% |
| GREGORY J. LOUGH3 | 9970 CAMPTON RIDGE CHARDON, OH 44024 | GUARDIAN | $3K | — | $3K | 10.00% |
| AMY P. DICKENSON3 | 220 GLEN RD MORELAND HILLS, OH 44022 | GUARDIAN | $3K | — | $3K | 10.00% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | PO BOX 746600 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $249 | $78 | $327 | 1.95% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | PO BOX 746600 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $96 | — | $96 | 1.50% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD STE 100 NEW CASTLE, PA 16105 | AMERICAN UNITED LIFE INSURANCE COMPANY | $425 | $71 | $496 | 20.99% |
| HUNTINGTON INSURANCE INC3 | 41 S HIGH ST COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 4.60% |
| HUNTINGTON INSURANCE INC3 | 41 S HIGH ST COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 2.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 1001 LAKESIDE AVE STE 1600 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 2.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $720 | $720 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE COMPA EIN 59-1031071 CLAIMS ADMIN. | Other services; Named fiduciary; Direct payment from the plan; Contract Administrator; Claims processing; Non-monetary compensation; Float revenue; Participant communication Service code 12 | — | $2.2M |
| LIFE INSURANCE COMPANY OF NORTH AME EIN 23-1503749 ADMINISTRATIVE SERVICE | Insurance services Service code 23 | — | $157K |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 ADMINISTRATIVE SERVICE | Contract Administrator Service code 13 | — | $137K |
| CIGNA HEALTH & LIFE INSURANCE CO | Float revenue; Claims processing; Participant communication; Other services; Named fiduciary; Non-monetary compensation; Direct payment from the plan; Contract Administrator Service code 12 | — | $0 |
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 | 62,530 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11,352 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 73,882 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 746 | $99K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 7,848 | $1.2M |
| Vision(10 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 42,208 | $8.9M |
| Life insurance(5 contracts, 4 carriers) | MEDMUTUAL LIFE INSURANCE COMPANY | 67,389 | $28.4M |
| Short-term disability(8 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,921 | $2.6M |
| Long-term disability(12 contracts, 7 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,987 | $4.0M |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 53 | $22K |
| Other(10 contracts, 9 carriers) | MEDMUTUAL LIFE INSURANCE COMPANY | 67,389 | $17.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 67,389 | — |
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.