| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILIS TOWERS WATSON MIDWEST, INC. | 400 N. EXECUTIVE DRIVE BROOKFIELD, WI 53005 | HCC LIFE INSURANCE COMPANY | $47K | $27K | $74K | 7.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $6.2M |
| 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 | — | $521K |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 NONE | Participant communication; Other services; Claims processing; Contract Administrator Service code 12 | — | $143K |
| WILLIS TOWERS WATSON EIN 53-0181291 NONE | Consulting (general) Service code 16 | — | $43K |
| 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 | — | $37K |
| GRANT THORNTON LLP EIN 36-6055558 NONE | Accounting (including auditing) Service code 10 | — | $30K |
| BANK OF AMERICA EIN 36-6736628 NONE | Custodial (other than securities) Service code 18 | — | $26K |
| ALIGHT SOLUTIONS EIN 82-1061233 NONE | Other services Service code 49 | — | $18K |
| TECHNOLOGY ADVISORS EIN 36-3774984 NONE | Other services Service code 49 | — | $13K |
| DATA YARD EIN 31-1433359 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $11K |
| U.S. BANK NATIONAL ASSOCATION EIN 31-0841368 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $11K |
| ENVISION EIN 36-4377388 NONE | Copying and duplicating Service code 36 | — | $10K |
| WINSON & STRAWN LLP EIN 36-1975990 NONE | Legal Service code 29 | — | $8K |
| U.S. BANK NATIONAL ASSOCIATION | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $0 |
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 | 13,602 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 442 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,051 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE | 9,433 | $244K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 11,822 | $749K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,690 | $794K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 7,500 | $948K |
| Other | UNITED BEHAVIORAL HEALTH DBA OPTUM | 10,073 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,822 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.