| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $274K | — | $274K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC. | 16220 N. SCOTTSDALE RD, STE 600 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $43K | $43K | 1.55% |
| 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 | $112K | — | $112K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC. | 16220 N. SCOTTSDALE RD, STE 600 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $21K | $21K | 1.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA, INC. | 1600 UTICA AVE S, STE 600 MINNEAPOLIS, MN 55416 | 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 55416 | PHYSICIANS PLUS INSURANCE CORP. | $3K | — | $3K | 5.05% |
| MFB FINANCIAL INC3 Filed as: MFB FIN. INC. DBA THE BAILEY GRP | 1200 PLANTATION ISLAND DR. S. STE 210 SAINT AUGUSTINE, FL 32080 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 4.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS. SERVICES INC. | 1250 S. CAPITOL OF TEXAS HWY BLDG 2, STE 125 AUSTIN, TX 78646 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MN INC. | 1600 UTICA AVE SOUTH MINNEAPOLIS, MN 55416 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS. SVCS OF CA | 525 MARKET ST, FL. 34 SAN FRANCISCO, CA 94105 | PRINCIPAL LIFE INSURANCE COMPANY | — | $73 | $73 | 0.56% |
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 | 8,734 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 70 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 118 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,922 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PHYSICIANS PLUS INSURANCE CORP. | 10 | $55K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 0 | $13K |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 5,058 | $639K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,562 | $2.8M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 0 | $13K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,119 | $1.1M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,562 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,562 | — |
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.