| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | PO BOX 1650 MILWAUKEE, WI 53201 | NATIONAL GUARDIAN LIFE | $32K | — | $32K | 8.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WI INC | 400 N EXECUTIVE DR SUITE 300 BROOKFIELD, WI 53005 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 7.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OREGAN, INC. | 222 SW COLUMBIA ST SUITE 600 PORTLAND, OR 97201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 5.89% |
| SPOTLITE INC3 | 200 E RANDOLPH SUITE 5450 CHICAGO, IL 60601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 5.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA, INC. | 16220 N SCOTTSDALE RD SUITE 60 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 122 E COLLEGE AVE APPLETON, WI 54912 | FEDERAL INSURANCE COMPANY | $285 | — | $285 | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN | PO BOX 1650 MILWAUKEE, WI 53201 | UNITED HEALTH CARE INSURANCE COMPANY | — | — | $0 | — |
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 | 953 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 971 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | NATIONAL GUARDIAN LIFE | 560 | $391K |
| Vision | NATIONAL GUARDIAN LIFE | 560 | $391K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 953 | $216K |
| Short-term disability | UNITED HEALTH CARE INSURANCE COMPANY | 0 | $0 |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 953 | $216K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 953 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 953 | — |
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.