| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $274K | $85K | $359K | 1.62% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $89K | — | $89K | 0.60% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $20K | $20K | 0.13% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $72K | — | $72K | 0.57% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $20K | $20K | 0.16% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $467K | — | $467K | 8.36% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $808K | $202K | $1.0M | 21.21% |
| LOCKTON COMPANIES, LLC3 | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $20K | $20K | 0.83% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 0.60% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $399K | $100K | $499K | 21.24% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METLIFE LEGAL PLANS, INC. | $135K | $16K | $151K | 10.23% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $17K | — | $17K | 1.25% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $53K | $50K | $103K | 11.96% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 5444 WESTHEIMER RD #900 HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $67K | — | $67K | 22.35% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $2K | — | $2K | 7.92% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $10 | — | $10 | 1.30% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $7 | — | $7 | 1.21% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $6 | — | $6 | 1.34% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $5 | — | $5 | 1.20% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $5 | — | $5 | 1.30% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA DENTAL HEALTH OF KANSAS, INC. | $3 | — | $3 | 1.34% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $2 | — | $2 | 1.25% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $2 | — | $2 | 1.56% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $1 | — | $1 | 1.04% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $1 | — | $1 | 1.56% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $153K | $153K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SEDGWICK EIN 36-2685608 CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | — | $1.4M |
| OPTUM EIN 47-0858534 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $418K |
| ERNST & YOUNG EIN 34-6565596 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $330K |
| HEADSPACE, INC. EIN 46-1777570 CONSULTING | Other services; Direct payment from the plan Service code 49 | — | $237K |
| ALIGHT SOLUTIONS EIN 82-1061233 INSURANCE SERVICES | Direct payment from the plan; Insurance services Service code 23 | — | $228K |
| WEBMD EIN 93-1270422 CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | — | $221K |
| UNUM EIN 01-0278678 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $148K |
| THE JELLYVISION LAB, INC. EIN 36-4442819 NONE | Other services; Other fees; Direct payment from the plan Service code 49 | — | $116K |
| RSW EIN 75-2448056 COMMUNICATIONS | Direct payment from the plan; Other services Service code 49 | — | $110K |
| BLANKS PRINTING & IMAGING EIN 75-1156894 COPY/DUPLICATION | Direct payment from the plan; Copying and duplicating Service code 36 | — | $89K |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 ACTUARIAL | Actuarial; Direct payment from the plan Service code 11 | — | $64K |
| FORVIS MAZARS, LLP EIN 44-0160260 ACCOUNTING | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $64K |
| NETWORK MEDICAL REVIEW EIN 76-0711128 NONE | Other services; Direct payment from the plan Service code 49 | — | $22K |
| ENTERHEALTH EIN 26-3107183 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $17K |
| MESSAGEBOX LLC EIN 92-3898668 COMMUNICATIONS | Other services; Other fees Service code 49 | — | $13K |
| HAYNES & BOONE LLP EIN 75-1312888 LEGAL | Legal; Direct payment from the plan Service code 29 | — | $10K |
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 | 47,516 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 409 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 923 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 48,848 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4 | $4 |
| Dental(13 contracts, 13 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 34,523 | $23.5M |
| Vision(2 contracts) | EYEMED | 62,436 | $5.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 47,516 | $14.8M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 42,359 | $12.7M |
| Other(6 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 42,644 | $12.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 62,436 | — |
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.