| 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 | $133K | — | $133K | 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 | $565K | — | $565K | 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 | $180K | $12K | $192K | 10.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 NEW YORK, NE 100878852 | VISION SERVICE PLAN | $6K | — | $6K | 1.37% |
| 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 | $35K | $6K | $42K | 17.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | HYATT LEGAL PLANS | $18K | — | $18K | 9.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | D/B/A WATSON WYATT WORLDWIDE, INC. LOCKBOX #741909, P.O. BOX 741909 ATLANTA, GA 303741909 | HYATT LEGAL PLANS | — | $4K | $4K | 1.98% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATION INS GROUP INC | 1 FILA WAY SPARKS, MD 211529393 | HYATT LEGAL PLANS | $0 | $1 | $1 | 0.00% |
| 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 | $2K | — | $2K | 2.46% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 11295 MAYS CHAPEL ROAD TIMONIUM, MD 21093 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $45 | $9K | 15.81% |
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 | 6,292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 199 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,552 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 12,352 | $4.4M |
| Vision | VISION SERVICE PLAN | 4,174 | $459K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 9,711 | $1.9M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,014 | $3.1M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,014 | $3.1M |
| Other(5 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 9,711 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,352 | — |
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.