| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN, INC. | 400 N. EXECUTIVE DRIVE BROOKFIELD, WI 53005 | HCC LIFE INSURANCE COMPANY | $56K | — | $56K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN, INC. | 330 WEST COLLEGE AVENUE APPLETON, WI 54911 | HCC LIFE INSURANCE COMPANY | — | $32K | $32K | 2.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $7.0M |
| NATL COUNCIL OF YMCAS OF THE USA EIN 36-3258696 PLAN SPONSOR | Plan Administrator Service code 14 | — | $1.8M |
| BUSINESSOLVER.COM, INC. EIN 42-1503807 NONE | Contract Administrator Service code 13 | — | $533K |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 NONE | Participant communication; Claims processing; Contract Administrator; Other services Service code 12 | — | $200K |
| SPECTRUM SYSTEMS, INC. EIN 36-3906317 NONE | Consulting (general) Service code 16 | — | $114K |
| MARQUETTE ASSOCIATES, INC. EIN 36-3485298 NONE | Investment advisory (plan) Service code 27 | — | $42K |
| CONVEY COMPLIANCE SYSTEM EIN 47-1073810 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $33K |
| GRANT THORNTON LLP EIN 36-6055558 NONE | Accounting (including auditing) Service code 10 | — | $30K |
| NORTHERN TRUST EIN 36-2723087 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $29K |
| ALIGHT SOLUTIONS EIN 82-1061233 NONE | Other services Service code 49 | — | $24K |
| BANK OF AMERICA EIN 36-6736628 NONE | Custodial (other than securities) Service code 18 | — | $22K |
| ENVISION EIN 36-4377388 NONE | Copying and duplicating Service code 36 | — | $18K |
| WINSTON & STRAWN LLP EIN 36-1975990 NONE | Legal Service code 29 | — | $16K |
| WILLIS TOWERS WATSON EIN 53-0181291 NONE | Consulting (general) Service code 16 | — | $14K |
| TECHNOLOGY ADVISORS EIN 36-3774984 NONE | Other services Service code 49 | — | $13K |
| PALMER PRINTING EIN 36-1595055 NONE | Copying and duplicating Service code 36 | — | $11K |
| DATA YARD EIN 31-1433359 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $10K |
| THE HILTON CHICAGO O'HARE AIRPORT EIN 26-1125227 NONE | Other services Service code 49 | — | $8K |
| U.S. BANK NATIONAL ASSOCIATION EIN 31-0841368 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $7K |
| EXTEND HEALTH LLC EIN 26-0775680 NONE | Consulting (general) Service code 16 | — | $5K |
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 | 16,607 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 496 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 13,220 | $262K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 16,879 | $1.2M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 9,920 | $825K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 9,757 | $1.1M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 16,879 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,879 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.