| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US LLC (MN) | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW Y, NY 10087 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $0 | $51K | $51K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US LLC (MN) | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | SECURIAN LIFE INSURANCE COMPANY | $26K | $11K | $37K | 7.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US LLC (MN) | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | SECURIAN LIFE INSURANCE COMPANY | $22K | $9K | $31K | 7.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US LLC (MN) | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | $2K | $31K | 7.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US LLC (MN) | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 0.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US LLC (MN) | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | SECURIAN LIFE INSURANCE COMPANY | $8K | $4K | $12K | 7.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US LLC (MN) | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | SECURIAN LIFE INSURANCE COMPANY | $264 | $114 | $378 | 7.23% |
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 | 4,609 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,644 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 5,665 | $943K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,437 | $296K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,490 | $423K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 4,644 | $844K |
| Other(3 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 7,370 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,370 | — |
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.