| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 26555 EVERGREEN ROAD, SUITE 1600 SOUTHFIELD, MI 48076 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | — | $35K | 7.45% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 3.67% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 0.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 26555 EVERGREEN ROAD, SUITE 1600 SOUTHFIELD, MI 48076 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | — | $23K | 8.07% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 3.63% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 26555 EVERGREEN ROAD SOUTHFIELD, MI 48076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30K | — | $30K | 15.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 93033 NETWORK PLACE CHICAGO, IL 60673 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 5.01% |
| ELISE M POLT3 | 201 W BURNSVILLE PARKWAY, SUITE 116 BURNSVILLE, MN 55337 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.86% |
| LEESA J CHURCHILL3 | 7825 WASHINGTON AVENUE SOUTH BLOOMINGTON, MN 55439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $430 | — | $430 | 0.23% |
| NICOLE D BLAKE3 | 1226 CULNER AVENUE NW BUFFALO, MN 55313 | CONTINENTAL AMERICAN INSURANCE COMPANY | $298 | — | $298 | 0.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS HRH | PO BOX 416719 BOSTON, MA 02241 | EYEMED VISION CARE | $5K | — | $5K | 5.60% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | EYEMED VISION CARE | $4K | — | $4K | 4.58% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED VISION CARE | $3K | — | $3K | 3.76% |
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 | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,787 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 1,503 | $88K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,621 | $285K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 967 | $465K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,621 | $474K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,621 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.