| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | ONE PPG PLACE SUITE 600 PITTSBURGH, PA 15222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $36K | — | $36K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 100 MATSONFORD ROAD, BLDG 5 STE 200 RADNOR, PA 19087 | HEARTLAND | $5K | — | $5K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | C/O INNOTECH 233 S WACKER DR STE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | $1K | $13K | 30.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | C/O INNOTECH 233 S WACKER DR STE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $610 | $5K | 19.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | C/O INNOTECH 233 S WACKER DR STE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 16.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | C/O INNOTECH 233 S WACKER DR STE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $434 | $1K | 17.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS | 233 SOUTH WACKER DRIVE SUITE 1875 CHICAGO, IL 60606 | ARAG INSURANCE COMPANY | $812 | — | $812 | 10.00% |
| COMMON CENSUS, INC.5 | 90 BRIDGE ST SUITE 105 WESTBROOK, ME 04092 | ARAG INSURANCE COMPANY | — | $406 | $406 | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | C/O INNOTECH 233 S WACKER DR STE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 22.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | C/O INNOTECH 233 S WACKER DR STE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $704 | $212 | $916 | 16.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | C/O INNOTECH 233 S WACKER DR STE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $99 | $2K | 29.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | C/O INNOTECH 233 S WACKER DR STE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $967 | — | $967 | 20.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | C/O INNOTECH 233 S WACKER DR STE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $618 | $170 | $788 | 17.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | C/O INNOTECH 233 S WACKER DR STE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $543 | — | $543 | 14.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | C/O INNOTECH 233 S WACKER DR STE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $488 | $69 | $557 | 18.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | C/O INNOTECH 233 S WACKER DR STE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $387 | $62 | $449 | 17.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | C/O INNOTECH 233 S WACKER DR STE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $496 | $55 | $551 | 22.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | C/O INNOTECH 233 S WACKER DR STE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $220 | $40 | $260 | 18.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | C/O INNOTECH 233 S WACKER DR STE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $132 | $16 | $148 | 24.67% |
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 | 573 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 36 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 614 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 0 | $359K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 492 | $406K |
| Life insurance(15 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 34 | $127K |
| Short-term disability(13 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 34 | $124K |
| Other(14 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 52 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.