| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 S WACKER DR STE 2000 CHICAGO, IL 606066400 | RELIASTAR LIFE INSURANCE COMPANY | $346K | — | $346K | 50.41% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5900 SAN MATEO, CA 944025900 | RELIASTAR LIFE INSURANCE COMPANY | $68K | — | $68K | 9.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR SUITE 2000 CHICAGO, IL 60606 | AMERICAN UNITED LIFE INSURANCE COMPANY | $13K | — | $13K | 5.33% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 21ST FLOOR SAN FRANCISCO, CA 94105 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | — | $3K | 1.15% |
| AMERICAN UNITED LIFE3 | PO BOX 368 INDIANAPOLIS, IN 46206 | AMERICAN UNITED LIFE INSURANCE COMPANY | $473 | — | $473 | 0.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | PO BOX 93225 CHICAGO, IL 606733225 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 10.66% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | PO BOX 511398 LOS ANGELES, CA 90051 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 SERVICE PROVIDER | Claims processing; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Other services Service code 12 | — | $1.7M |
| COMPREHENSIVE CARE SERVICES, INC. EIN 41-1427596 SERVICE PROVIDER | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $127K |
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 | 4,244 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 6,070 | $1.4M |
| Vision | VISION SERVICE PLAN | 2,668 | $368K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,244 | $1.2M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 2,421 | $687K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,244 | $875K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,244 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,070 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.