| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 400 N EXECUTIVE DR STE 300 BROOKFIELD, WI 530056005 | UNITEDHEALTHCARE INSURANCE COMPANY | $30K | — | $30K | 6.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 400 N EXECUTIVE DR STE 400 BROOKFIELD, WI 530056029 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 2.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WI, INC | PO BOX 1650 MILWAUKEE, WI 53201 | RELIASTAR LIFE INSURANCE COMPANY | $71K | — | $71K | 20.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 400 N. EXECUTIVE DR STE 300 BROOKFIELD, WI 530056005 | UNITED HEALTH CARE INSURANCE COMPANY | $7K | — | $7K | 7.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 400 N. EXECUTIVE DR SUITE 400 BROOKFIELD, WI 530056029 | UNITED HEALTH CARE INSURANCE COMPANY | $3K | — | $3K | 3.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 330 W COLLEGE AVENUE FLOOR 2 APPLETON, WI 54911 | FEDERAL INSURANCE COMPANY | $285 | — | $285 | 15.00% |
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 | 1,619 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,645 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 833 | $464K |
| Vision | UNITED HEALTH CARE INSURANCE COMPANY | 775 | $87K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 2,103 | $347K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 2,103 | $347K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,103 | $349K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,103 | — |
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.