| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 26555 EVERGREEN RD #1600 SOUTHFIELD, MI 48076 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $4K | — | $4K | 12.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 26555 EVERGREEN RD #1600 SOUTHFIELD, MI 48076 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $2K | — | $2K | 10.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 26555 EVERGREEN ROAD SOUTHFIELD, MI 48076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 25.66% |
| ELISE M POLT3 | 201 W BURNSVILLE PKWY SUITE 116 BURNSVILLE, MN 55337 | CONTINENTAL AMERICAN INSURANCE COMPANY | $158 | — | $158 | 1.06% |
| LEESA J CHURCHILL3 | 7825 WASHINGTON AVENUE SOUTH BLOOMINGTON, MN 55439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.34% |
| NICOLE D BLAKE3 | 1226 CULNER AVE NW BUFFALO, MN 55313 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.24% |
| ELISE M POLT3 | 201 W BURNSVILLE PKWY SUITE 116 BURNSVILLE, MN 55337 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.22% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN INC | PO BOX 416719 BOSTON, MA 02241 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 10.74% |
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 | 1,775 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 38 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,825 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STANDARD INSURANCE COMPANY | 958 | $11K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,866 | $21K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,106 | $35K |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,866 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,866 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.