| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | FOUR GATEWAY CENTER 444 LIBERTY AVENUE, SUITE 505 PITTSBURGH, PA 15222 | HIGHMARK INC. | $48K | — | $48K | 2.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC | 26 CENTURY BLVD 2ND FLOOR S. NASHVILLE, TN 37214 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $7K | $28K | 13.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | CARE OF J P MORGAN CHASE 26 CENTURY BLVD NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $2K | $18K | 12.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 7.03% |
| TOSTON MARY3 | 1776 AHL DRIVE, 6TH FL JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 3.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 2.30% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852, LOCKBOX 28852 CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $165 | $165 | 0.13% |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 106 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 208 | $2.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 669 | $146K |
| Vision | HIGHMARK INC. | 208 | $2.4M |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $335K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $207K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $207K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 669 | — |
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.