| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | PO BOX 101162 PASADENA, CA 91189 | MINNESOTA LIFE INSURANCE COMPANY | $60K | $0 | $60K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 10 SOUTH LASALLE STREET STE. 3000 CHICAGO, IL 60603 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $34K | $34K | 2.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 400 N EXECUTIVE DR. STE 300 BROOKFIELD, WI 53005 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $0 | $26K | 2.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 223 S WACKER DR STE. 1800 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $13K | $13K | 1.32% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 930333 NETWORK PL CHICAGO, IL 60603 | VISION SERVICE PLAN | $0 | $28K | $28K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | PO BOX 101162 PASADENA, CA 91189 | MINNESOTA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 10 SOUTH LASALLE STREET STE. 3000 CHICAGO, IL 60603 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 2.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | PO BOX 101162 PASADENA, CA 91189 | MINNESOTA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 10 SOUTH LASALLE STREET STE. 3000 CHICAGO, IL 60603 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.23% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS TOWERS WATSON NORTHEST INC | 200 LIBERTY STREET 7TH FLOOR NEW YORK, NY 10281 | NATIONAL UNION FIRE INS. | $4K | $0 | $4K | 25.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS BLUE SHIELD EIN 39-0138065 CLAIMS ADMINISTRATION | Contract Administrator; Other commissions; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 12 | — | $3.1M |
| WILLIS TOWERS WATSON INC. EIN 53-0181291 ACTUARIAL | Actuarial Service code 11 | — | $192K |
| ALIGHT SOLUTIONS EIN 22-2232264 BENEFITS MANAGER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services Service code 13 | — | $163K |
| NAVITUS HEALTH SOLUTIONS EIN 04-3608530 CLAIMS ADMINISTRATION | Contract Administrator; Claims processing Service code 12 | — | $159K |
| DELTA DENTAL EIN 39-6094742 CLAIMS ADMINISTRATION | Contract Administrator; Claims processing Service code 12 | — | $115K |
| BUSINESSOLVER EIN 42-1503807 CLAIMS ADMINISTRATION | Contract Administrator; Claims processing Service code 12 | — | $90K |
| CONNECTYOURCARE, LLC (CYC) EIN 26-1274092 CLAIMS ADMINISTRATION | Contract Administrator; Other fees; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $26K |
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 | 3,241 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 145 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 3,028 | $556K |
| Life insurance(3 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 4,356 | $2.0M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,356 | $975K |
| Prescription drug | NAVITUS HEALTH SOLUTIONS | 7,870 | $466K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF WISCONSIN | 3,128 | $1.2M |
| Other | NATIONAL UNION FIRE INS. | 0 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,870 | — |
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.