| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | MIDWEST INC. 1001 LAKE SIDE AVENUE CLEVELAND, OH 44114 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 5.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | SERVICES WEST INC PO BOX 101162 PASADENA, CA 911890001 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 1.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERES WATSON INSURANCE | SERVICES WEST INC PO BOX 101162 PASADENA, CA 911891162 | SECURIAN LIFE INSURANCE COMPANY | $8K | $6K | $14K | 5.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $153 | — | $153 | 4.96% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $74 | — | $74 | 6.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD STREET SUITE 200 COLUMBUS, OH 432123891 | METROPOLITAN LIFE INSURANCE COMPANY | $19 | — | $19 | 1.70% |
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 | 2,866 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 126 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,031 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,280 | $306K |
| Life insurance(2 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 3,246 | $258K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,747 | $527K |
| Other(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 6 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,747 | — |
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.