| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA INC. | 1600 UTICA AVE S, NO. 600 MINNEAPOLIS, MN 55416 | STANDARD INSURANCE COMPANY | $25K | — | $25K | 4.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS. SVCS OF CA INC. | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 1.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA INC. | 1600 UTICA AVE S, NO. 600 MINNEAPOLIS, MN 55416 | STANDARD INSURANCE COMPANY | $22K | — | $22K | 5.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS. SVCS OF CA INC. | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 1.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA, INC. | 1600 UTICA AVE S, STE 600 MINNEAPOLIS, MN 55416 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $17K | — | $17K | 10.50% |
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 | 2,859 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 220 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 2,841 | $157K |
| Life insurance | STANDARD INSURANCE COMPANY | 2,202 | $423K |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,787 | $510K |
| Other | STANDARD INSURANCE COMPANY | 2,202 | $423K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,841 | — |
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."
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.