| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PL 14TH FLOOR ITASCA, ID 60143 | SUN LIFE ASSURANCE COMPANY OF CANADA | $36K | — | $36K | 5.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | SUN LIFE ASSURANCE COMPANY OF CANADA | $23K | — | $23K | 3.32% |
| AON CONSULTING INC3 | 555 E LANCASTER AVE RADNOR, PA 19087 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 1.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 3600 AMERICAN BLVD W STE 500 BLOOMINGTON, MN 55431 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $7K | $7K | 1.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $43K | — | $43K | 7.62% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 2711 N HASKELL AVE STE 800 DALLAS, TX 75204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 2.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $75K | — | $75K | 13.86% |
| AON CONSULTING INC3 | 39340 TREASURY CENTER COMMISSION REVENUE CHICAGO, IL 60694 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | — | $33K | 6.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $14K | — | $14K | 3.94% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CTR CHICAGO, IL 606949000 | VISION SERVICE PLAN | $4K | — | $4K | 1.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | — | $19K | 11.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 2711 N HASKELL STE 800 DALLAS, TX 75204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 3.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COMMISSIONS LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 6.67% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 14.90% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 2711 N HASKELL AVE STE 800 DALLAS, TX 75204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $101 | — | $101 | 0.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 2711 N HASKELL AVE STE 800 DALLAS, TX 75204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 2711 N HASKELL AVE STE 800 DALLAS, TX 75204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $835 | — | $835 | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $157 | — | $157 | 7.27% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 2711 N HASKELL AVE STE 800 DALLAS, TX 75204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $59 | — | $59 | 2.73% |
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 | 1,935 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 66 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,001 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,444 | $351K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,826 | $561K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,741 | $541K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,464 | $682K |
| Other(7 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,834 | $452K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,834 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.