| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $915 | $9K | 3.07% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $9K | $6K | $14K | 4.97% |
| SURVIVOR OUTREACH SERVICES3 | 2591 DALLAS PARKWAY SUITE 203 FRISCO, TX 75034 | SECURIAN LIFE INSURANCE COMPANY | — | $872 | $872 | 0.30% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | DENTEGRA INSURANCE COMPANY | $568 | — | $568 | 3.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 233 S WACKER STE 2000 CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $691 | $133 | $824 | 8.05% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $651 | — | $651 | 6.36% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $304 | — | $304 | 2.97% |
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 | 764 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 772 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTEGRA INSURANCE COMPANY | 72 | $16K |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 995 | $289K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $301K |
| Other(3 contracts, 3 carriers) | SECURIAN LIFE INSURANCE COMPANY | 995 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 995 | — |
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.