| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA | 16220 N. SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $271K | $38K | $309K | 12.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA | 16220 N. SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $141K | $20K | $160K | 12.29% |
| ELIZABETH GRELLNER3 | 101 S HANLEY ROAD, STE 900 ST. LOUIS, MO 63105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $102K | $0 | $102K | 8.79% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 NEW YORK, NY 100878852 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39K | $0 | $39K | 3.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA | 16220 N. SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $34K | $5K | $39K | 12.37% |
| LIFE OF THE SOUTH AGENCY3 | PO BOX 925 NASHVILLE, GA 31639 | GREATER GEORGIA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.94% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS TOWERS WATSON | 5 CONCOURSE PARKWAY ATLANTA, GA 30328 | ZURICH AMERICAN INSURANCE COMPANY | $0 | $0 | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LINCOLN LIFE ASSURANCE CO OF BOSTON EIN 04-6076039 SERVICE PROVIDER | Claims processing; Contract Administrator; Other services Service code 12 | — | $171K |
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 | 6,449 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 7,963 | $2.7M |
| Short-term disability(3 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 6,913 | $552K |
| Long-term disability(3 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 6,913 | $1.5M |
| Other(5 contracts, 4 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 7,963 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,963 | — |
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.