| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 111 E. KILBOURN AVE STE 1850 MILWAUKEE, WI 53020 | STANDARD INSURANCE COMPANY | $20K | — | $20K | 13.93% |
| AON CONSULTING INC3 | 3565 PIEDMONT RD NE STE 600 ATLANTA, GA 30305 | STANDARD INSURANCE COMPANY | $3K | $563 | $3K | 2.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 111 E. KILBOURN AVE STE 1850 MILWAUKEE, WI 53020 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 12.09% |
| AON CONSULTING INC3 | 3565 PIEDMONT RD NE STE 600 ATLANTA, GA 30305 | STANDARD INSURANCE COMPANY | $4K | $908 | $5K | 4.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 111 E. KILBOURN AVE STE 1850 MILWAUKEE, WI 53020 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 13.79% |
| AON CONSULTING INC3 | 3565 PIEDMONT RD NE STE 600 ATLANTA, GA 30305 | STANDARD INSURANCE COMPANY | $2K | $449 | $3K | 2.50% |
| AON CONSULTING INC3 | 3565 PIEDMONT RD NE STE 600 ATLANTA, GA 30305 | STANDARD INSURANCE COMPANY | $11K | $153 | $11K | 20.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 111 E. KILBOURN AVE STE 1850 MILWAUKEE, WI 53020 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.19% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF COLORADO LLC | 4582 S ULSTER ST #600 DENVER, CO 80237 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.98% |
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 | 429 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 453 | $143K |
| Short-term disability | STANDARD INSURANCE COMPANY | 446 | $114K |
| Long-term disability | STANDARD INSURANCE COMPANY | 452 | $105K |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 453 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 453 | — |
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.