| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WASTON US LLC | P.O. BOX 28852 NEW YORK, NY 10087 | SUN LIFE ASSURANCE CO OF CANADA | $23K | $0 | $23K | 1.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE INSURANCE EIN 38-1082080 INSURANCE SERVICES | Insurance services Service code 23 | — | $1.2M |
| QUARTZ HEALTH SOLUTIONS, INC. CLAIMS ADMINISTRATOR | Claims processing Service code 12 | 2650 NOVATION PARKWAY FITCHBURG, WI 53713 | $606K |
| EXPRESS SCRIPTS EIN 22-3461740 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | — | $474K |
| TRI-STAR CLAIMS ADMINISTRATOR | Claims processing Service code 12 | 16401 SWINGLEY RIDGE ROAD, ST 250 CHESTERFIELD, MO 63017 | $14K |
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 | 1,850 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,850 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 1,865 | $17.6M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE CO OF CANADA | 2,589 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,589 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.