| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | 200 LIBERTY STREET, 16TH FLOOR NEW YORK, NY 10281 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $20K | $20K | 1.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | PO BOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55K | $4K | $59K | 14.17% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT STREET BUFFALO, NY 14204 | VISION SERVICE PLAN | $14K | $0 | $14K | 4.99% |
| RUTH LARKIN3 | 2000 WADSWORTH BOULEVARD, SUITE 202 LAKEWOOD, CO 80214 | TRUSTMARK INSURANCE COMPANY | $177 | $0 | $177 | 4.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | 500 NORTH AKARD STREET, SUITE 4300 DALLAS, TX 75201 | TRUSTMARK INSURANCE COMPANY | $177 | $0 | $177 | 4.41% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 14546 BROOK HOLLOW BOULEVARD SUITE 281 SAN ANTONIO, TX 78232 | TRUSTMARK INSURANCE COMPANY | $118 | $0 | $118 | 2.94% |
| JERRY MANNING3 Filed as: JERRY A. MANNING | 1034 NORTH ASHLAND AVENUE CHICAGO, IL 60622 | TRUSTMARK INSURANCE COMPANY | $118 | $0 | $118 | 2.94% |
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 | 1,951 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 418 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 145 | $851K |
| Vision | VISION SERVICE PLAN | 1,407 | $274K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,085 | $1.5M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,085 | $1.5M |
| Other(5 contracts, 5 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,085 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,085 | — |
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."
No prospect flags tripped on this filing.