| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 S. WACKER DRIVE SUITE 1800 CHICAGO, IL 60606 | RELIASTAR LIFE INSURANCE COMPANY | $218K | — | $218K | 36.88% |
| GDP ADVISORS LLC3 Filed as: GDP ADVISORS, LLC | 2150 S. CENTRAL EXPRESSWAY SUITE 280 MCKINNEY, TX 75070 | RELIASTAR LIFE INSURANCE COMPANY | $75K | — | $75K | 12.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE LOOMIS COMPANY CLAIMS PROCESSING | Claims processing Service code 12 | 850 N. PARK ROAD WYOMISSING, PA 19610 | $246K |
| WILLIS TOWERS WATSON EIN 48-1032806 BROKER | Insurance agents and brokers Service code 22 | — | $102K |
| FIRST HEALTH GROUP CORPORATION EIN 73-1590333 CLAIMS PROCESSING | Claims processing Service code 12 | — | $102K |
| MGU UNDERWRITING EIN 26-6943343 CLAIMS PROCESSING | Claims processing Service code 12 | — | $95K |
| GDP ADVISORS LLC EIN 46-3749464 BROKER | Insurance agents and brokers Service code 22 | — | $93K |
| HOURGLASS SYSTEMS INC. EIN 77-0495942 CLAIMS PROCESSING | Claims processing Service code 12 | — | $39K |
| TELADOC INC. EIN 04-3705970 CLAIMS PROCESSING | Claims processing Service code 12 | — | $34K |
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 | 2,542 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,542 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | RELIASTAR LIFE INSURANCE COMPANY | 1,658 | $592K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,658 | — |
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.