| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA INC. | 1600 UTICA AVE, NO. 600 MINNEAPOLIS, MN 55416 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $269K | — | $269K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC. | 16220 N. SCOTTSDALE RD, STE 600 SCOTTSDALE, AZ 852541804 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $55K | $55K | 2.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA INC. | 1600 UTICA AVE S, NO. 600 MINNEAPOLIS, MN 55416 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $104K | — | $104K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC. | 16220 N. SCOTTSDALE RD, STE 600 SCOTTSDALE, AZ 852541804 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $28K | $28K | 2.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA, INC. | 1600 UTICA AVE S, STE 600 MINNEAPOLIS, MN 554163687 | VISION SERVICE PLAN | $62K | — | $62K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA INC. | 1600 UTICA AVE S, STE 600 MINNESOTA, MN 554163687 | PHYSICIANS PLUS INSURANCE CORP. | $3K | — | $3K | 7.22% |
| MFB FINANCIAL INC3 Filed as: MFB FINCL INC. DBA THE BAILEY GROUP | 1200 PLANTATION ISLAND DR. S. STE 210 SAINT AUGUSTINE, FL 320803115 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS. SERVICES INC. | 1250 S. CAPITOL OF TEXAS HWY BLDG 2, STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $273 | — | $273 | 0.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MN INC. | 1600 UTICA AVE SOUTH MINNEAPOLIS, MN 55416 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.83% |
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 | 8,780 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 133 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 308 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PHYSICIANS PLUS INSURANCE CORP. | 11 | $37K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 15 | $11K |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 5,051 | $637K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,580 | $2.7M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 15 | $11K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,159 | $1.0M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,580 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,580 | — |
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.