| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 26555 EVERGREEN RD STE 1600 SOUTHFIELD, MI 48076 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 0.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 775 YARD STREET SUITE 200 COLUMBUS, OH 43212 | AMERICAN UNITED LIFE INSURANCE COMPANY | $11K | — | $11K | 5.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF KY INC | SUITE 200 LOUISVILLE, KY 40223 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $19 | $19 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 775 YARD ST SUITE 200 COLUMBUS, OH 43212 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | — | $3K | 3.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF KY INC | SUITE 200 LOUISVILLE, KY 40223 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $13 | $13 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 775 YARD STREET SUITE 200 COLUMBUS, OH 43212 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 4.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF KY INC | SUITE 200 LOUISVILLE, KY 40223 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $3 | $3 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 775 YARD STREET SUITE 200 COLUMBUS, OH 43212 | AMERICAN UNITED LIFE INSURANCE COMPANY | $756 | — | $756 | 3.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 775 YARD STREET SUITE 200 COLUMBUS, OH 43212 | AMERICAN UNITED LIFE INSURANCE COMPANY | $81 | — | $81 | 3.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | PO BOX 210583 DALLAS, TX 75211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $263 | $13 | $276 | 13.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DEALER SERVICES, INC | PO BOX 23410 LOUISVILLE, KY 40232 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $168 | — | $168 | 7.96% |
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 | 331 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 331 | $3.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 331 | $3.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 331 | $3.4M |
| Life insurance(5 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 173 | $353K |
| Short-term disability(5 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 173 | $353K |
| Long-term disability(5 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 173 | $353K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 331 | $3.4M |
| Other(6 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 173 | $355K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.