| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 1001 LAKESIDE AVENUE EAST SUITE 1600 CLEVELAND, OH 44114 | UNITEDHEALTHCARE INSURANCE COMPANY | $880 | $0 | $880 | 0.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA. | LOCKBOX 100485 PASADENA, CA 91189 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 1.67% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD AND COMPANY | 1100 SUPERIOR AVENUE EAST SUITE 1100 CLEVEALND, OH 44114 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 0.45% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $63 | $63 | 0.03% |
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 | 343 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 565 | $1.5M |
| Dental | COMMUNITY INSURANCE COMPANY | 283 | $164K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 565 | $1.5M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 343 | $224K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 343 | $224K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 343 | $224K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 565 | $1.5M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 343 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.