| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | LOCK BOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $579K | $200K | $779K | 14.71% |
| WILLIS TOWERS WATSON US LLC7 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $20K | $20K | 0.41% |
| BENEPLACE, INC.3 Filed as: BENEPLACE INC | PO BOX 203550 AUSTIN, TX 78720 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51K | — | $51K | 8.30% |
| ELIZABETH GRELLNER3 | 101 S HANLEY ROAD STE 900 ST. LOUIS, MO 63105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | — | $22K | 3.49% |
| JAMES R HILL JR3 Filed as: JAMES R HILL, JR. | 2311 W. CONE BLVD #110 GREENSBORO, NC 27408 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | — | $82 | 0.01% |
| ERIC MILLER3 | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.01% |
| AON CONSULTING INC Filed as: AON CONSULTING | — | MONUMENTAL LIFE INSURANCE COMPANY | $28K | — | $28K | 5.29% |
| WILLIS TOWERS WATSON US LLC | — | MONUMENTAL LIFE INSURANCE COMPANY | $28K | — | $28K | 5.27% |
| BENEPLACE, INC.3 Filed as: BENEPLACE, INC | PO BOX 203550 AUSTIN, TX 78720 | ARAG INSURANCE COMPANY | $26K | — | $26K | 8.66% |
| WILLIS TOWERS WATSON US LLC7 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $96 | $96 | 0.33% |
| WILLIS TOWERS WATSON US LLC7 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $106 | $106 | 0.54% |
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 | 21,575 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 145 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4,548 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 26,268 | 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 | 661 | $5.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 661 | $4.5M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 11,882 | $6.4M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 10,709 | $5.3M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 17,241 | $4.9M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 17,240 | $14.5M |
| Other(5 contracts, 5 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 19,537 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,537 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.