| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 400 N EXECUTIVE DRIVE SUITE 300 BROOKFIELD, WI 53005 | SUN LIFE ASSURANCE COMPANY OF CANADA | $367K | — | $367K | 4.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WTW INSURANCE SERVICES WEST INC | 525 MARKET ST SUITE 3400 SAN FRANCISCO, CA 94105 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $92K | $92K | 1.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN, INC. | 400 N EXECUTIVE DR SUITE 300 BROOKFIELD, WI 53005 | METLIFE LEGAL PLANS | $16K | — | $16K | 13.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF WI EIN 39-0138065 NONE | Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $5.4M |
| ALIGHT SOLUTIONS LLC NONE | Direct payment from the plan; Contract Administrator Service code 13 | 10 NORTH PARK DRIVE SUITE 400 HUNT VALLEY, MD 21030 | $672K |
| LIMEADE EIN 06-1771116 NONE | Direct payment from the plan; Other services Service code 49 | — | $669K |
| LYRA NONE | Other services; Direct payment from the plan Service code 49 | 287 LORTON AVE, STE 2 BURLINGAME, CA 94010 | $642K |
| CVS CAREMARK NONE | Other services; Direct payment from the plan Service code 49 | 1 CVS DRIVE WOONSOCKET, RI 02895 | $534K |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 NONE | Insurance agents and brokers; Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | — | $375K |
| ART CORPORATE SOLUTIONS NONE | Direct payment from the plan; Other services Service code 49 | 9240 EXPLORER DRIVE, SUITE 210 COLORADO SPRINGS, CO 80920 | $274K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 NONE | Insurance agents and brokers; Contract Administrator; Direct payment from the plan Service code 13 | — | $267K |
| METLIFE EIN 34-1650967 NONE | Legal; Direct payment from the plan Service code 29 | — | $199K |
| LIVONGO NONE | Other services; Direct payment from the plan Service code 49 | 444 N MICHIGAN AVE CHICAGO, IL 60611 | $159K |
| UNITED HEALTHCARE NONE | Claims processing; Direct payment from the plan; Other services Service code 12 | 161 CANAL STREET STE 200 NEW YORK, NY 10013 | $156K |
| WRITE ON TARGET, INC. EIN 31-1431575 NONE | Participant communication; Other fees; Other services Service code 38 | — | $145K |
| SOLERA HEALTH INC EIN 47-5298764 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $139K |
| REINHART, BOERNER, VANDEUREN S.C EIN 39-1126909 NONE | Legal; Direct payment from the plan Service code 29 | — | $127K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $79K |
| CROWE LLP EIN 35-0921680 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $68K |
| STATE STREET GLOBAL ADVISORS EIN 81-4017137 NONE | Custodial (other than securities); Custodial (securities); Investment management fees paid directly by plan Service code 18 | — | $49K |
| TOWERS WATSON INVESTMENT SVS INC EIN 52-1868818 NONE | Investment management fees paid directly by plan; Investment management; Direct payment from the plan Service code 28 | — | $25K |
| WALGREENS NONE | Other services; Direct payment from the plan Service code 49 | 200 WILMOT ROAD DEERFIELD, ID 60015 | $9K |
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 | 8,674 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8,021 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,148 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,843 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 8,607 | $8.0M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 8,607 | $8.0M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 8,607 | $8.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,607 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.