| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA INC. | LOCK BOX 93076 CHICAGO, IL 60603 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $75K | $5K | $80K | 14.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO | 775 YARD ST STE 200 GRANDVIEW HEIGHTS, OH 43212 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $6K | — | $6K | 1.19% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | -$8 | -$8 | -0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA, INC. | 93076 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $11K | — | $11K | 10.14% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $845 | — | $845 | 0.77% |
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 | 1,252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 1,362 | $110K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,242 | $545K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,242 | $545K |
| Other | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,242 | $545K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,362 | — |
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.