| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | DELTA DENTAL INSURANCE COMPANY | $130K | — | $130K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $525K | — | $525K | 18.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC 16-0362 | P.O. BOX 28852 NEW YORK, NY 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $158K | — | $158K | 8.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC 15-2483 | P.O. BOX 28852 NEW YORK, NY 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $44K | — | $44K | 2.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 NEW YORK, NE 100878852 | VISION SERVICE PLAN | $6K | — | $6K | 1.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC 16-0362 | PO BOX 28852 NEW YORK, NY 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $28K | — | $28K | 12.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC 15-2483 | PO BOX 28852 NEW YORK, NY 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 3.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | HYATT LEGAL PLANS | $17K | — | $17K | 9.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | D/B/A WATSON WYATT WORLDWIDE, INC. P.O. BOX 741909 ATLANTA, GA 303741909 | HYATT LEGAL PLANS | $0 | $3K | $3K | 1.97% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 11295 MAYS CHAPEL ROAD TIMONIUM, MD 21093 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 3.04% |
| SF&C SELECT BENEFITS COMM GROUP3 Filed as: SF&C SELECT BENEFITS COMMUNICATIONS | 10075 RED RUN BLVD. STE 550 OWINGS MILLS, MD 21117 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $309 | $8K | 15.64% |
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 | 5,889 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 57 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 113 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,059 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 12,801 | $4.3M |
| Vision | VISION SERVICE PLAN | 3,885 | $434K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 6,201 | $2.0M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,719 | $2.9M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,719 | $2.9M |
| Other(5 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 6,201 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,801 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.