| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | SUN LIFE ASSURANCE COMPANY OF CANADA | $223K | — | $223K | 1.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC. | PO BOX 730416 DALLAS, TX 75373 | SUN LIFE ASSURANCE COMPANY OF CANADA | $138K | — | $138K | 1.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SVCS | PO BOX 101162 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $85K | $85K | 0.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | $151K | $61 | $151K | 1.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | C/O JP MORGAN CHASE 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | — | $97K | $97K | 1.26% |
| CLEARTRACK HR, LLC3 | 360B QUALITY CIR. NW STE. 220 HUNTSVILLE, AL 35806 | RELIASTAR LIFE INSURANCE COMPANY | $808K | $73K | $881K | 24.20% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $120K | — | $120K | 3.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | PO BOX 905643 CHARLOTTE, NC 282905643 | RELIASTAR LIFE INSURANCE COMPANY | $82K | — | $82K | 2.24% |
| OASIS SOFTWARE II, LLC3 Filed as: OASIS SOFTWARE, LLC | DBA OASIS SOFTWARE 1105 DEEP WOODS TRL. BENTWOOD TRAIL, TN 370276310 | RELIASTAR LIFE INSURANCE COMPANY | — | $36K | $36K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | VISION SERVICE PLAN | $13K | — | $13K | 1.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 29982 NETWORK PL CHICAGO, IL 606731299 | VISION SERVICE PLAN | $7K | — | $7K | 0.64% |
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 | 14,148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 92 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 22,851 | $6K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 22,408 | $7.7M |
| Vision | VISION SERVICE PLAN | 9,876 | $1.2M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 21,365 | $12.1M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 21,365 | $12.1M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 21,365 | $12.1M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 21,365 | $15.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,851 | — |
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.