| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 775 YARD ST SUITE 200 COLUMBUS, OH 43212 | MEDICAL MUTUAL | $54K | $26K | $79K | 3.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 93224 NETWORK PLACE CHICAGO, IL 60631 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $15K | — | $15K | 3.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST COLUMBUS, OH 43212 | AETNA LIFE INSURANCE CO. | $15K | — | $15K | 10.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 93245 NETWORK PLACE SUITE 1600 CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 3.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 775 YARD ST SUITE 200 COLUMBUS, OH 43212 | MEDICAL MUTUAL | $1K | $262 | $2K | 7.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 93245 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $24 | $1K | 6.78% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $580 | $16 | $596 | 3.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 93245 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $174 | — | $174 | 3.50% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, LA 70009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 1.51% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD COMPANIES | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | ACE AMERICAN INSURANCE COMPANY | $306 | — | $306 | 14.99% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL | 160 | $2.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 200 | $117K |
| Vision | MEDICAL MUTUAL | 128 | $21K |
| Life insurance | AETNA LIFE INSURANCE CO. | 181 | $148K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 181 | $148K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 181 | $148K |
| Prescription drug(2 contracts, 2 carriers) | MEDICAL MUTUAL | 160 | $2.4M |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 181 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.