| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN | 400 N EXECUTIVE DRIVE SUITE 300 BROOKFIELD, WI 53005 | SUN LIFE ASSURANCE COMPANY OF CANADA | $399K | — | $399K | 5.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WTW INSURANCES SERVICES WEST INC | PO BOX 101162 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $107K | $107K | 1.39% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSIONS LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UNITED HEALTHCARE INSURANCE COMPANY | $336K | — | $336K | 5.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN, INC. | 400 N EXECUTIVE DR SUITE 300 BROOKFIELD, WI 53005 | METLIFE LEGAL PLANS | $13K | — | $13K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN, INC. | C/O JP MORGAN CHASE 93033 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | — | $298 | $298 | 0.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF WI EIN 39-0138065 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services; Claims processing Service code 12 | — | $6.4M |
| LIMEADE EIN 06-1771116 NONE | Direct payment from the plan; Other services Service code 49 | — | $983K |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 NONE | Direct payment from the plan; Actuarial; Consulting (pension) Service code 11 | — | $627K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 NONE | Insurance agents and brokers; Contract Administrator Service code 13 | — | $330K |
| ADP, LLC NONE | Other services; Direct payment from the plan Service code 49 | 1851 N RESLER DRIVE MS-100 EL PASO, TX 79912 | $297K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $229K |
| REINHART, BOERNER, VANDEUREN S.C EIN 39-1126909 NONE | Legal; Direct payment from the plan Service code 29 | — | $147K |
| METLIFE LEGAL PLANS EIN 34-1650967 NONE | Other services Service code 49 | — | $134K |
| WRITE ON TARGET, INC. EIN 31-1431575 NONE | Participant communication; Other fees; Other services Service code 38 | — | $121K |
| CNH AMERICA LLC EIN 39-1982756 PLAN SPONSOR | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $84K |
| HEALTH CARE POLICY ROUNDTABLE NONE | Direct payment from the plan; Other services Service code 49 | 470 JAMES STREET NEW HAVEN, CT 06513 | $30K |
| ONE TOUCH POINT EIN 39-1419951 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $28K |
| TOWERS WATSON INVESTMENT SVS INC EIN 52-1868818 NONE | Direct payment from the plan; Investment management fees paid directly by plan; Investment management Service code 28 | — | $25K |
| ERNST & YOUNG EIN 34-6565596 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $24K |
| SOLERA HEALTH EIN 47-5298764 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $22K |
| EQUITY CREATIVE NONE | Direct payment from the plan; Other services Service code 49 | 9522 58TH PLACE SUITE 800 KENOSHA, WI 53144 | $14K |
| ZMAGS EIN 74-3261801 NONE | Other services; Other fees Service code 49 | — | $5K |
| CVS PHARMACY, INC EIN 05-0340626 NONE | Direct payment from the plan; Other services Service code 49 | — | -$190K |
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 | 7,616 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8,170 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,786 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 4,844 | $6.1M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 13,841 | $7.7M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 13,841 | $7.7M |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 13,841 | $8.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,841 | — |
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.