| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEDGWICK CLAIMS MANAGEMENT SERVICES5 | 2620 THOUSAND OAKS BOULEVARD MEMPHIS, TN 12345 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2.6M | $2.6M | 41.62% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $546K | — | $546K | 8.73% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $268K | — | $268K | 4.35% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $155K | — | $155K | 5.30% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $112K | — | $112K | 20.00% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $22K | — | $22K | 4.58% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $90K | — | $90K | 20.00% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $67K | — | $67K | 20.00% |
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 | 31,782 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 155 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 31,937 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 21,623 | $2.9M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 38,291 | $6.2M |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 26,894 | $6.6M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 26,894 | $6.2M |
| Other(3 contracts) | SECURIAN LIFE INSURANCE COMPANY | 9,132 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 38,291 | — |
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.