| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC. | 775 YARD STREET, STE 200 COLUMBUS, OH 43212 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $207K | $8K | $215K | 12.94% |
| USI INSURANCE SERVICES LLC3 | 475 KILVERT STREET, STE B-205 WARWICK, RI 02886 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $45K | -$210 | $45K | 2.68% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | 312 ELM ST 24TH FLOOR CINCINNATI, OH 45202 | COMMUNITY INSURANCE COMPANY | — | $17K | $17K | 7.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 200 LIBERTY STREET NEW YORK, NY 10281 | FEDERAL INSURANCE COMPANY | $4K | $0 | $4K | 25.00% |
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 | 3,151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY INSURANCE COMPANY | 2,863 | $224K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,151 | $1.7M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,151 | $1.7M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,228 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,228 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.