| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 330 W COLLEGE AVE STE 201 APPLETON, WI 54911 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $36K | $2K | $38K | 15.72% |
| COTTINGHAM & BUTLER3 | PO BOX 28 DUBUQUE, IA 52004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 0.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSRUANCE SERVICES OF CA INC | 18101 VON KARMAN AVE. STE. 600 IRVINE, CA 92612 | HEALTH NET | $7K | — | $7K | 2.93% |
| ERIC GAINES3 | 1400 E. MICHIGAN AVENUE LANSING, MI 48912 | PHP INSURANCE COMPANY | $47 | — | $47 | 0.02% |
| WILLIS TOWERS WATSON US LLC0 Filed as: WILLIS HRH | 93033 131 S DEARBORN F6 CHICAGO, IL 60603 | EYEMED | $239 | — | $239 | 1.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN | 330 W COLLEGE AVE APPLETON, WI 54911 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $225 | — | $225 | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN, INC. | 93033 NETWORK PL CHICAGO, IL 60673 | VISION SERVICE PLAN | $66 | — | $66 | 6.67% |
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 | 476 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 480 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 62 | $685K |
| Dental | HEALTH NET | 14 | $228K |
| Vision(3 contracts, 3 carriers) | HEALTH NET | 485 | $243K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 476 | $243K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 476 | $243K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 476 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 485 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.