| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 P O BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | — | $400K | $400K | 0.60% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $100K | $396K | $496K | 1.85% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $54K | $54K | 1.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN PROPERTY & CASUALTY INSURANCE CO. | $177K | $24K | $202K | 10.37% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 10 LANIDEX CENTER WEST PARSIPPANY, NJ 07054 | METROPOLITAN PROPERTY & CASUALTY INSURANCE CO. | — | $5K | $5K | 0.25% |
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 | 201,971 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 830 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 202,801 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 169,876 | $30.5M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 156,145 | $66.2M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 156,145 | $66.2M |
| Other(2 contracts, 2 carriers) | METROPOLITAN PROPERTY & CASUALTY INSURANCE CO. | 8,880 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169,876 | — |
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."
No prospect flags tripped on this filing.