| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | LOCK BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $205K | $205K | 3.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $647K | $256K | $903K | 24.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | LOCK BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $142K | $142K | 3.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | LOCK BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 0.08% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $236 | $236 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE,INC. | LOCKBOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $251K | $17K | $269K | 16.04% |
| ELIZABETH GRELLNER3 | 101 S HANLEY ROAD STE 900 ST. LOUIS, MO 63105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $252K | — | $252K | 33.77% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 1.20% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 0.80% |
| JAMES R HILL JR3 Filed as: JAMES R HILL, JR. | 2311 W. CONE BLVD #110 GREENSBORO, NC 27408 | CONTINENTAL AMERICAN INSURANCE COMPANY | $198 | — | $198 | 0.03% |
| ERIC MILLER3 | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $125 | — | $125 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | LOCK BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $270 | $270 | 0.05% |
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON DELAWARE INC | — | MONUMENTAL LIFE INSURANCE COMPANY | $19K | — | $19K | 4.71% |
| AON CONSULTING INC Filed as: AON CONSULTING | — | MONUMENTAL LIFE INSURANCE COMPANY | $19K | — | $19K | 4.70% |
| JEFF HALSETH | — | MONUMENTAL LIFE INSURANCE COMPANY | $27 | — | $27 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | ARAG INSURANCE COMPANY | $16K | — | $16K | 5.00% |
| WILLIS TOWERS WATSON US LLC7 Filed as: TOWERS WATSON DELAWARE INC | LOCK BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $8 | $8 | — |
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 | 17,527 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 151 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4,577 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 22,255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 581 | $4.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 581 | $4.0M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 10,400 | $5.8M |
| Life insurance(3 contracts) | HARTFORD LIFE AND ACCIDENT | 16,217 | $6.5M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 15,860 | $3.6M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 15,857 | $5.2M |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 16,946 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,946 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.