| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 | 111 N CANAL ST CHICAGO, IL 606067218 | UNITED HEALTHCARE INSURANCE COMPANY | $65K | — | $65K | 1.56% |
| ASSURANCE AGENCY LTD3 | 1750 E GOLF RD SCHAUMBURG, IL 60173 | SUN LIFE ASSURANCE COMPANY OF CANADA | $105K | — | $105K | 3.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | PO BOX 28852 NEW YORK, NY 100878852 | SUN LIFE ASSURANCE COMPANY OF CANADA | $96K | — | $96K | 2.94% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY, LTD | 1750 E GOLF RD SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $70K | $41 | $70K | 14.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $92 | $41K | 8.16% |
| SALLY BEAUTY HOLDINGS INC.5 | 3001 COLORADO BOULEVARD DENTON, TX 76210 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 1.61% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY, LTD. | 1750 E GOLF RD SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 0.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.61% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY, LTD | 1750 E GOLF RD SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $46K | $41 | $46K | 13.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $2K | $29K | 8.79% |
| SALLY BEAUTY HOLDINGS INC.5 | 3001 COLORADO BOULEVARD DENTON, TX 76210 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 2.43% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY, LTD | 1750 E GOLF RD SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 1.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $92 | $92 | 0.03% |
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 | 10,159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,415 | $1.1M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 9,553 | $4.2M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 9,553 | $4.2M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 10,159 | $3.3M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 10,159 | $3.3M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 10,159 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,159 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.