| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC. | PO BOX 93225 CHICAGO, IL 60673 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $94K | — | $94K | 5.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 425 N MARTINGALE RD, STE 1100 SCHAUMBURG, IL 60173 | RELIASTAR LIFE INSURANCE COMPANY | $12K | — | $12K | 15.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | LOCKBOX 35371 NETWORK PL 01 CHICAGO, IL 60673 | BLUE CARE NETWORK OF MICHIGAN | $6K | — | $6K | 8.83% |
| GROTENHUIS3 | 583 3 MILE RD NW S-101 PO BOX140167 GRAND RAPIDS, MI 49514 | BLUE CARE NETWORK OF MICHIGAN | $624 | — | $624 | 0.96% |
| LAHOOD, STEPHEN, JOSEPH3 | PO BOX 2061 ST CHARLES, MO 63302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 16.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC | WILLIS TOWER 233 S WACKER DR, STE 2000 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $315 | $3K | 4.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR CHICAGO, IL 60606 | EYEMED VISION CARE | $2K | — | $2K | 11.59% |
| MATTHEW E. L. STALEY3 Filed as: MATTHEW EL STALEY | 9832 IRELAND DR. ST LOUIS, MO 63114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC. | C/O INNOTECH 233 S WACKER DR., STE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $222 | — | $222 | 1.35% |
| SHARON K CAREW3 Filed as: SHARON K. CAREW | 2907 ELK RIVER TRAIL BULVERDE, TX 78163 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.10% |
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 212 | $1.9M |
| Dental(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 212 | $1.9M |
| Vision | EYEMED VISION CARE | 243 | $20K |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 246 | $90K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $57K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 246 | $74K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 15 | $65K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 246 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.