| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | PO BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | SUN LIFE ASSURANCE COMPANY OF CANADA | $163K | $98K | $261K | 16.29% |
| WILLIS TOWERS WATSON US LLC3 | COMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | ZURICH AMERICAN LIFE INSURANCE COMPANY | — | $23K | $23K | 3.52% |
| WILLIS TOWERS WATSON US LLC4 | COMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $58K | $2K | $60K | 13.49% |
| AON CONSULTING INC4 Filed as: AON CONSULTING | 200 EAST RANDOLPH ST CHICAGO, IL 60601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 9.10% |
| WILLIS TOWERS WATSON US LLC4 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | $2K | $14K | 19.38% |
| WILLIS TOWERS WATSON US LLC4 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $956 | $8K | 21.14% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | ARAG INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET NEW YORK, NY 10281 | FEDERAL INSURANCE COMPANY | $7K | — | $7K | 25.00% |
| AON CONSULTING INC4 Filed as: AON CONSULTING | 200 EAST RANDOLPH ST CHICAGO, IL 60601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $17 | $1K | 18.22% |
| WILLIS TOWERS WATSON US LLC4 | PO BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $29 | $29 | 0.49% |
| KELIINOI,JODI-LYNN3 Filed as: KELIINOI, JODI-LYNN | PO BOX 860 HONOLULU, HI 96808 | USABLE LIFE | $11 | — | $11 | 2.79% |
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 | 1,045 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 45 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $117K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $117K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,875 | $146K |
| Life insurance | ZURICH AMERICAN LIFE INSURANCE COMPANY | 1,110 | $647K |
| Short-term disability(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 32 | $14K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,254 | $446K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 914 | $1.6M |
| Other(8 contracts, 6 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 8,840 | $936K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,840 | — |
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.