| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 6.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC. | PO BOX 28852 NEW YORK, NY 10087 | ZURICH AMERICAN LIFE INSURANCE COMPANY | — | $2K | $2K | 3.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET NEW YORK, NY 10281 | FEDERAL INSURANCE COMPANY | $6K | — | $6K | 25.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $1K | $4K | 25.74% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | ARAG SERVICES, LLC | $2K | — | $2K | 13.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 12.18% |
| MANNING JERRY3 | 167 N GREEN STREET CHICAGO, IL 60607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 49.99% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 30.01% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS, LLC | 2189 N ILLINOIS ROUTE 83 #110 ROUND LAKE BEACH, IL 60073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| MANNING JERRY3 | 167 N GREEN STREET CHICAGO, IL 60607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 22.17% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $842 | — | $842 | 13.31% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS, LLC | 2189 N ILLINOIS ROUTE 83 #110 ROUND LAKE BEACH, IL 60073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $561 | — | $561 | 8.87% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX #28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $500 | — | $500 | 12.73% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 703 | $25K |
| Life insurance(3 contracts, 2 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 1,144 | $78K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $2K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $122K |
| Other(6 contracts, 4 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 1,144 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,144 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.