| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | UNITED HEALTHCARE INSURANCE COMPANY | $177K | — | $177K | 4.94% |
| ASSURANCE AGENCY LTD3 | 137 CENTURY CTR 1750 EAST GOLD RD SCHAUMBURG, IL 60193 | UNITED HEALTHCARE INSURANCE COMPANY | $48 | — | $48 | 0.00% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SUN LIFE ASSURANCE COMPANY OF CANADA | $192K | $50K | $242K | 7.76% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | — | $123K | $123K | 6.00% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $89K | $6K | $94K | 21.60% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY, LTD. | 20 N MARTINGALE RD, STE 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $496 | $5 | $501 | 0.11% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $61 | $61 | 0.01% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $57K | $4K | $61K | 21.94% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY, LTD | 20 N MARTINGALE RD, STE 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $314 | $3 | $317 | 0.11% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $61 | $61 | 0.02% |
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 | 8,737 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 66 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,803 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,176 | $1.0M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 9,092 | $3.6M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 9,092 | $3.6M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 9,603 | $3.1M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 9,603 | $3.1M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 9,603 | $3.1M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 5,220 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,603 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.