| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST. BOSTON, MA 02110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $211K | — | $211K | 3.41% |
| MOSSE AND MOSSE ASSOCIATES, INC.3 Filed as: MOSSE & MOSSE SCHOOL AND MUNICIPAL | 50 SALEM ST, BLDG B LYNNFIELD, MA 01940 | SUN LIFE ASSURANCE COMPANY OF CANADA | $203K | — | $203K | 3.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $23K | $23K | 0.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE | PO BOX 28852 NEW YORK, NY 10087 | UNITED HEALTHCARE INSURANCE COMPANY | $326K | — | $326K | 5.93% |
| RSC INSURANCE BROKERAGE INC3 | 50 SALEM ST, BLDG B LYNNFIELD, MA 01940 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $50K | — | $50K | 2.50% |
| MOSSE AND MOSSE ASSOCIATES, INC.3 | 50 SALEM STREET, BLDG B LYNNFIELD, MA 019400000 | FEDERAL INSURANCE COMPANY | $28K | — | $28K | 10.00% |
| MOSSE AND MOSSE ASSOCIATES, INC.3 Filed as: MOSSE AND MOSSE ASSOCIATES | 50 SALEM STREET, BLDG B LYNNFIELD, MA 019400000 | FEDERAL INSURANCE COMPANY | $20K | — | $20K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF WI EIN 39-0138065 NONE | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Other services Service code 12 | — | $6.9M |
| LIMEADE EIN 06-1771116 NONE | Other services; Direct payment from the plan Service code 49 | — | $644K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $406K |
| WILLIS OF WISCONSIN EIN 39-0765647 NONE | Insurance agents and brokers; Direct payment from the plan; Consulting (general) Service code 16 | — | $259K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $214K |
| SILVERSCRIPT INSURANCE COMPANY NONE | Other services; Direct payment from the plan Service code 49 | PO BOX 30001 PITTSBURGH, PA 15222 | $198K |
| STATE STREET BANK & TRUST EIN 04-1867445 NONE | Trustee (directed); Direct payment from the plan Service code 25 | — | $182K |
| CVS HEALTH NONE | Other services; Direct payment from the plan Service code 49 | ONE CVS DRIVE WOONSOCKET, RI 02895 | $173K |
| ADP, LLC NONE | Other services; Direct payment from the plan Service code 49 | 1851 N RESLER DRIVE MS-100 EL PASO, TX 79912 | $145K |
| CNH AMERICA LLC EIN 39-1982756 PLAN SPONSOR | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $129K |
| TOWERS WATSON DELAWARE INC. EIN 53-0181291 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $127K |
| HYATT LEGAL PLANS EIN 34-1650967 NONE | Legal; Direct payment from the plan Service code 29 | — | $107K |
| CAREOPERATIVE, LLC EIN 46-4399706 NONE | Other services; Direct payment from the plan Service code 49 | — | $105K |
| TRUVEN HEALTH ANALYTICS EIN 06-1467923 NONE | Direct payment from the plan; Other services Service code 49 | — | $103K |
| BELL LITHO INC. EIN 36-2550923 NONE | Other fees; Direct payment from the plan; Other services Service code 49 | — | $82K |
| HEALTH FITNESS CORPORATION NONE | Other services; Direct payment from the plan Service code 49 | 1700 WEST 82ND STREET SUITE 200 MINNEAPOLIS, MN 55431 | $71K |
| REINHART, BOERNER, VANDEUREN S.C EIN 39-1126909 NONE | Legal; Direct payment from the plan Service code 29 | — | $67K |
| OMADA HEALTH INC. NONE | Other services Service code 49 | 500 SANSOME ST SAN FRANCISCO, CA 94111 | $56K |
| ERNST & YOUNG EIN 34-6565596 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $27K |
| TOWERS WATSON INVESTMENT SVC INC EIN 52-1868818 NONE | Direct payment from the plan; Investment management fees paid directly by plan; Investment management Service code 28 | — | $25K |
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 | 7,334 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7,996 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 4,775 | $5.5M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 14,540 | $6.2M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 6,254 | $2.0M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 6,254 | $2.0M |
| Other(2 contracts) | FEDERAL INSURANCE COMPANY | 7,535 | $476K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,540 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.