| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 1001 LAKE SIDE AVENUE CLEVELAND, OH 44114 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $615K | — | $615K | 15.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | P.O. BOX101162 PASADENA, CA 91189 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $76K | $76K | 1.88% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 330 W COLLEGE AVE STE 201 APPLETON, WI 54911 | DELTA DENTAL OF OHIO | $39K | — | $39K | 1.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 330 W COLLEGE AVE STE 201 APPLETON, WI 54911 | DELTA DENTAL OF OHIO | $20K | — | $20K | 5.04% |
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 | 4,862 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 197 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,093 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 8,096 | $2.0M |
| Vision | DELTA DENTAL OF OHIO | 7,150 | $401K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,966 | $4.0M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,966 | $4.0M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,966 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,096 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.