| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC7 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $38K | — | $38K | 3.00% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFIT PROGRAMGS INC | 897 12TH STREET HAMMONTON, NJ 08037 | ALLSTATE BENEFITS | $142K | — | $142K | 12.43% |
| BENRX INCORPORATED3 | 925B PEACHTREE STREET NE SUITE 312 ATLANTA, GA 30309 | ALLSTATE BENEFITS | $95K | — | $95K | 8.28% |
| CONDUENT HR CONSULTING LLC3 | BOX 202617 DALLAS, TX 75320 | ALLSTATE BENEFITS | $8 | — | $8 | 0.00% |
| BENRX INCORPORATED3 | 925 PEACHTREE STREET NORTHEAST SUITE 312 ATLANTA, GA 30309 | PHYSICIANS EYECARE PLAN | $37K | — | $37K | 5.00% |
| CUSTOM BENEFIT PROGRAMS INC | 897 12TH STREET HAMMONTON, NJ 08037 | ALLSTATE BENEFITS | $16K | — | $16K | 3.62% |
| BENRX INCORPORATED | 925B PEACHSTREET NE SUITE 312 ATLANTA, GA 30309 | ALLSTATE BENEFITS | $10K | — | $10K | 2.28% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 403 WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY | $33K | $4K | $37K | 11.50% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER INC | 1025 ASHWORTH RD STE 403 WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY | $31K | $4K | $34K | 10.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 741909 LOCKBOX 741909 ATLANTA, GA 30374 | RELIASTAR LIFE INSURANCE COMPANY | $46K | — | $46K | 20.51% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER INC | 1025 ASHWORTH RD STE 403 WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.61% |
| BSC AGENCY LLC3 | 1025 ASWORTH RD WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.61% |
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 | 6,644 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 302 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,967 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLSTATE BENEFITS | 843 | $1.1M |
| Vision | PHYSICIANS EYECARE PLAN | 4,405 | $737K |
| Life insurance | ALLSTATE BENEFITS | 843 | $451K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $1.3M |
| Other(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 4,999 | $543K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,999 | — |
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.