| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $97K | $97K | 2.25% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $6K | $6K | 0.73% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $8K | $8K | 2.25% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $158 | $158 | 2.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVS EIN 05-0340626 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $204K |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 CLAIM ADMINISTRATION | Float revenue; Claims processing; Participant communication; Other services; Non-monetary compensation; Direct payment from the plan; Contract Administrator Service code 12 | — | $154K |
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 | 3,893 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2,036 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,929 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 3,330 | $821K |
| Life insurance(3 contracts) | SECURIAN LIFE INSURANCE COMPANY | 9,497 | $4.7M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,891 | $824K |
| Other | UNITED HEALTHCARE | 2,341 | $589K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,497 | — |
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."
No prospect flags tripped on this filing.