| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 775 YARD STREET COLUMBUS, OH 43212 | UNIMERICA INSURANCE COMPANY | — | $74K | $74K | 7.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 400 N. EXECUTIVE DRIVE BROOKFIELD, WI 53005 | UNIMERICA INSURANCE COMPANY | $53K | — | $53K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $5.9M |
| NATL COUNCIL OF YMCAS OF THE USA EIN 36-3258696 PLAN SPONSOR | Plan Administrator Service code 14 | — | $1.9M |
| BUSINESSOLVER.COM, INC. EIN 42-1503807 NONE | Contract Administrator Service code 13 | — | $552K |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 NONE | Other services; Claims processing; Participant communication; Contract Administrator Service code 12 | — | $139K |
| MOURI TECH LLC EIN 20-2497305 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $73K |
| 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 | — | $38K |
| GRANT THORNTON LLP EIN 36-6055558 NONE | Accounting (including auditing) Service code 10 | — | $36K |
| BANK OF AMERICA EIN 36-6736628 NONE | Custodial (other than securities) Service code 18 | — | $27K |
| AT&T EIN 13-4924710 NONE | Other services Service code 49 | — | $20K |
| ALIGHT SOLUTIONS EIN 82-1061233 NONE | Other services Service code 49 | — | $19K |
| WINSTON & STRAWN LLP EIN 36-1975990 NONE | Legal Service code 29 | — | $13K |
| ENVISION EIN 36-4377388 NONE | Copying and duplicating Service code 36 | — | $13K |
| DATA YARD EIN 31-1433359 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $12K |
| U.S. BANK NATIONAL ASSOCIATION EIN 31-0841368 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $10K |
| SALESFORCE, INC. EIN 94-3320693 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $9K |
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 | 14,858 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 323 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE | 9,523 | $250K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12,917 | $878K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9,819 | $913K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 7,738 | $1.1M |
| Other | UNITED BEHAVIORAL HEALTH DBA OPTUM | 10,501 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,917 | — |
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.