| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEDGWICK CLAIMS MANAGEMENT SERVICES5 | 2620 THOUSAND OAKS BOULEVARD MEMPHIS, TN 38118 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $1.1M | $1.1M | 15.72% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $641K | — | $641K | 9.03% |
| WILLIS TOWERS WATSON US LLC3 | DBA WILLIS TOWERS WATSON US LLC COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $350K | — | $350K | 5.12% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $164K | — | $164K | 5.23% |
| WILLIS TOWERS WATSON US LLC3 | DBA WILLIS TOWERS WATSON US LLC COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $126K | — | $126K | 20.00% |
| WILLIS TOWERS WATSON US LLC3 | DBA WILLIS TOWERS WATSON US LLC COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $27K | — | $27K | 5.40% |
| WILLIS TOWERS WATSON US LLC3 | DBA WILLIS TOWERS WATSON US LLC COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $96K | — | $96K | 19.99% |
| WILLIS TOWERS WATSON US LLC3 | DBA WILLIS TOWERS WATSON US LLC COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $71K | — | $71K | 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 | 34,931 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 137 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 35,068 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 22,941 | $3.1M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 40,641 | $6.8M |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 28,692 | $7.4M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 28,692 | $7.1M |
| Other(3 contracts) | SECURIAN LIFE INSURANCE COMPANY | 9,747 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 40,641 | — |
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.