| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $708K | $206K | $914K | 6.91% |
| SEDGWICK CLAIMS MANAGEMENT SERVICES5 Filed as: SEDGWICK CLAIMS MANAGEMENT SVCS INC | 2620 THOUSAND OAKS BLVD. MEMPHIS, TN 38118 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $654K | $654K | 4.95% |
| ELIZABETH GRELLNER3 | 101 S HANLEY ROAD STE 900 ST. LOUIS, MO 63105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $405K | — | $405K | 27.96% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $148K | — | $148K | 10.25% |
| BENEPLACE, INC.3 Filed as: BENEPLACE INC | PO BOX 203550 AUSTIN, TX 78720 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | — | $17K | 1.17% |
| JAMES R HILL JR3 Filed as: JAMES R HILL, JR. | 7021 MARSEILLES CT SUMMERFIELD, NC 27358 | CONTINENTAL AMERICAN INSURANCE COMPANY | $80 | — | $80 | 0.01% |
| ERIC MILLER3 | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | ARAG INSURANCE COMPANY | $82K | — | $82K | 10.70% |
| BENEPLACE, INC.3 Filed as: BENEPLACE, INC | PO BOX 203550 AUSTIN, TX 78720 | ARAG INSURANCE COMPANY | $3K | — | $3K | 0.36% |
| AON CONSULTING INC Filed as: AON CONSULTING INC. | — | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $38K | — | $38K | 4.94% |
| WILLIS TOWERS WATSON US LLC | — | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $38K | — | $38K | 4.94% |
| WILLIS TOWERS WATSON US LLC7 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | — | $24K | 7.28% |
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 | 20,075 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 483 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5,740 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 26,298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 626 | $6.8M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 626 | $6.0M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 12,250 | $8.5M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 18,210 | $13.2M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 18,210 | $13.2M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 18,210 | $13.2M |
| Other(5 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 19,757 | $16.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,757 | — |
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.