| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | AETNA LIFE INSURANCE COMPANY | — | $16K | $16K | 0.69% |
| ELIZABETH GRELLNER3 | 101 S HANLEY RD ST LOUIS, MO 63105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $213K | — | $213K | 22.20% |
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 | 18,183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 75 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,513 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,771 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILLIATES | 1,860 | $397K |
| Vision | EYEMED | 12,029 | $731K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 19,589 | $2.3M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 19,589 | $2.3M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 19,589 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,589 | — |
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.