| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SRVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | SECURIAN LIFE INSURANCE COMPANY | — | $33K | $33K | 2.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 12505 PARK POTOMAC SUITE 300 POTOMAC, MD 20854 | SECURIAN LIFE INSURANCE COMPANY | $29K | — | $29K | 2.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | PO BOX 13784 NEWARK, NJ 07188 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15K | $15K | 1.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 25 SCHILLING CIR STE 150 HUNT VALLEY, MD 21031 | OXFORD HEALTH INSURANCE, INC. | $9K | — | $9K | 1.84% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. (IL) | 29840 NETWORK PLACE CHICAGO, IL 60673 | OXFORD HEALTH INSURANCE, INC. | $915 | — | $915 | 0.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | PO BOX 13784 NEWARK, NJ 07188 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $437 | $3K | 17.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORP. OF MARYLAND | 25 SCHILLING CIR STE 150 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $244 | — | $244 | 8.01% |
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 | 1,258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 162 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 30 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | OXFORD HEALTH INSURANCE, INC. | 1,258 | $516K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,375 | $1.3M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 1,614 | $1.5M |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 215 | $19K |
| Other(2 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 1,614 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,375 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.