| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 SOUTH WACKER DRIVE #1800 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | $130K | — | $130K | 4.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA | PO BOX 101162 PASADENA, CA 911891162 | HARTFORD LIFE AND ACCIDENT | — | $31K | $31K | 1.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR STE 2000 WILLIS TOWER CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $14K | $14K | 0.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA | PO BOX 101162 PASADENA, CA 911891162 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 1.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR STE 2000 WILLIS TOWER CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $209 | $209 | — |
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 | 54,314 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 133 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 54,447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 7,815 | $2.7M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 7,815 | $1.8M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 54,314 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 54,314 | — |
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.