| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY STREET NEW YORK, NY 10281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $42K | $3K | $45K | 10.79% |
| CUNDY, INC.3 Filed as: CUNDY INC. | PO BOX 24080 FORT LAUDERDALE, FL 333074080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | — | $20K | 9.96% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PKWY, STE 375 ALPHARETTA, GA 300097630 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 2.04% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21K | $3K | $24K | 12.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | ONE WORLD FINANCIAL CTR 200 LIBERTY STREET NEW YORK, NY 10281 | STANDARD SECURITY LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| CUNDY, INC.3 | 450 EAST LAS OLAS BLVD FORT LAUDERDALE, FL 33301 | FEDERAL INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 1 WORLD FINANCIAL CENTER 200 LIBERTY STREET, 6TH FLOOR NEW YORK, NY 10281 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 12.60% |
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 | 1,706 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,710 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | STANDARD SECURITY LIFE INSURANCE COMPANY | 87 | $61K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,015 | $48K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,706 | $481K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 603 | $198K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 572 | $191K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,706 | $532K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,706 | — |
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.