| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $30K | $30K | 1.52% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $29K | $29K | 2.30% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $88K | — | $88K | 24.99% |
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 | 4,973 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 180 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 526 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,679 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,063 | $3.6M |
| Vision | VISION SERVICE PLAN | 3,328 | $725K |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 6,027 | $1.3M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,759 | $2.0M |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES, INC. | 8,741 | $4.7M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 2,290 | $351K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,741 | — |
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.