| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WTW US LLC DBA WTW US LLC | COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $331K | $75K | $406K | 12.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | PO BOX 28852 NEW YORK, NY 100878852 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $263K | $59K | $322K | 12.23% |
| WILLIS TOWERS WATSON US LLC3 | 335 MADISON AVE FI20 NEW YORK, NY 10017 | RELIASTAR LIFE INSURANCE COMPANY | — | $55K | $55K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WTW US LLC DBA WTW US LLC | COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $69K | $17K | $86K | 14.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $37K | $6K | $43K | 10.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | 1 UPPER POND RD BLDG F PARSIPPANY, NJ 07054 | METLIFE LEGAL PLANS | — | $28 | $28 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WTW US LLC DBA WTW US LLC | COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $29K | $7K | $35K | 12.27% |
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 | 9,838 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 200 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 258 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1 | $33K |
| Life insurance(3 contracts) | SECURIAN LIFE INSURANCE COMPANY | 13,439 | $4.2M |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 7,623 | $2.6M |
| Other(4 contracts, 4 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 9,866 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,439 | — |
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.