| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA, INC. | UKNOWN DALLAS, TX 75230 | DELTA DENTAL INSURANCE COMPANY | $22K | $0 | $22K | 3.33% |
| THE PLEXUS GROUPE LLC3 Filed as: THE PLEXUS GROUPE, LLC | UNKNOWN DALLAS, TX 75230 | DELTA DENTAL INSURANCE COMPANY | $11K | $0 | $11K | 1.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 16220 NORTH SCOTTSDALE ROAD SUITE 600 SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $74K | $9K | $82K | 15.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 5151 BELT LINE ROAD, SUITE 200 DALLAS, TX 75254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 2.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA, INC. | PO BOX 730054 DALLAS, TX 75373 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $10K | $0 | $10K | 9.19% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 5151 BELT LINE ROAD, SUITE 200 DALLAS, TX 75254 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3 | $0 | $3 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 16220 NORTH SCOTTSDALE ROAD SUITE 600 SCOTTSDALE, AZ 85254 | UNUM INSURANCE COMPANY | $9K | $851 | $9K | 16.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA, INC. | PO BOX 730054 DALLAS, TX 75373 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 9.87% |
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 | 1,528 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,895 | $657K |
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,563 | $127K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,528 | $542K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,528 | $542K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,528 | $542K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,528 | $600K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,895 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.