| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST. NEW YORK, NY 10281 | COMMUNITY INSURANCE COMPANY | $67K | — | $67K | 0.68% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 210 6TH AVE. 30TH FLOOR PITTSBURGH, PA 15222 | COMMUNITY INSURANCE COMPANY | $23K | — | $23K | 0.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 2055 GATEWAY PLACE STE 450 SAN JOSE, CA 95110 | COMMUNITY INSURANCE COMPANY | — | $6K | $6K | 0.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 225 SCHILLING CIR STE 150 HUNT VALLEY, MD 21031 | PRINCIPAL LIFE INSURANCE COMPANY | $83K | — | $83K | 9.98% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 2730 SIDNEY ST. PITTSBURGH, PA 15203 | PRINCIPAL LIFE INSURANCE COMPANY | $42K | — | $42K | 5.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | — | $7K | $7K | 0.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 800 BOYLSTON STREET SUITE 600 BOSTON, MA 52199 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | — | $9K | 8.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 755 W. BIG BEAVER RD. STE 2300 TROY, MI 80842 | FIDELITY SECURITY LIFE INSURANCE COMPANY | -$4 | — | -$4 | -0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 214 N TRYON ST STE 2500 CHARLOTTE, NC 28202 | RELIASTAR LIFE INSURANCE COMPANY | $5K | — | $5K | 9.30% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 6TH AVE. FL 30 PITTSBURGH, PA 15222 | RELIASTAR LIFE INSURANCE COMPANY | $4K | — | $4K | 7.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 905643 CHARLOTTE, NC 28290 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 5.19% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS TOWERS WATSON SE, INC. | 806 TYVOLA RD. STE 108 CHARLOTTE, NC 28217 | LEGALSHIELD | $6K | — | $6K | 12.00% |
| WILLIAM J WALKER4 | 3215 WAYLAND RD. WAYLAND, IA 52654 | LEGALSHIELD | $3K | — | $3K | 5.00% |
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 | 944 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 950 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 1,628 | $10.0M |
| Dental | COMMUNITY INSURANCE COMPANY | 1,628 | $10.0M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,437 | $96K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,203 | $835K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,203 | $835K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,203 | $835K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,203 | $939K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,628 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.