| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DDMN ASO, LLC | — | DELTA DENTAL | — | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $57K | $57K | 1.01% |
| WILLIS TOWERS WATSON US LLC | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY - OPTIONAL | — | $100K | $100K | 2.24% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $160K | $13K | $174K | 15.63% |
| WILLIS TOWERS WATSON US LLC | PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $31K | — | $31K | 3.03% |
| WILLIS TOWERS WATSON US LLC | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 1.25% |
| WILLIS TOWERS WATSON US LLC | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY - BASIC | — | $18K | $18K | 2.24% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $83K | $7K | $90K | 15.13% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $68K | $6K | $73K | 16.21% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | ARAG INSURANCE COMPANY | $42K | — | $42K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $9K | $9K | 2.23% |
| DDMN ASO, LLC | — | DELTA DENTAL | — | — | $0 | 0.00% |
| DDMN ASO, LLC | — | DELTA DENTAL | — | — | $0 | — |
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 | 22,688 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 244 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 22,932 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 18,726 | $2.2M |
| Dental(3 contracts) | DELTA DENTAL | 19,257 | $18.9M |
| Vision | VISION SERVICE PLAN | 13,777 | $1.0M |
| Life insurance(3 contracts, 3 carriers) | SECURIAN LIFE INSURANCE COMPANY - OPTIONAL | 23,807 | $5.7M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 788 | $869K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 19,818 | $5.7M |
| Other | ARAG INSURANCE COMPANY | 3,818 | $422K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,807 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.