| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $129K | -$7K | $123K | 4.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | 265 BROOKVIEW CENTRE WAY KNOXVILLE, TN 37919 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $33K | $14K | $48K | 1.69% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 956012 ST. LOUIS, MO 60675 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $30K | $30K | 1.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | UNITED HEALTHCARE INSURANCE COMPANY | $44K | — | $44K | 4.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | UNITED HEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 0.80% |
| RALPH E DRURY3 | PO BOX 869 FRANKLIN, TN 37065 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $98K | — | $98K | 10.00% |
| RALPH E DRURY3 | PO BOX 869 FRANKLIN, TN 37065 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | — | $35K | 5.00% |
| RALPH E DRURY3 | PO BOX 869 FRANKLIN, TN 37065 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | — | $27K | 5.00% |
| RALPH E DRURY3 | PO BOX 869 FRANKLIN, TN 37065 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | — | $27K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $24K | -$753 | $24K | 4.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 265 BROOKVIEW CENTRE WAY KNOXVILLE, TN 37919 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $4K | $3K | $7K | 1.34% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 956012 ST. LOUIS, MO 60675 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $4K | $4K | 0.77% |
| RALPH E DRURY3 | 130 9TH AVE. SOUTH FRANKLIN, TN 37064 | UNITED HEALTHCARE INSURANCE COMPANY | $38K | — | $38K | 11.10% |
| TRANSAMERICA3 | 1400 CENTERVIEW LITTLEROCK, AR 72211 | UNITED HEALTHCARE INSURANCE COMPANY | — | $18K | $18K | 5.17% |
| RALPH E DRURY3 Filed as: RALPH DRURY | PO BOX 869 FRANKLIN, TN 37065 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $64K | — | $64K | 24.96% |
| RALPH E DRURY3 | PO BOX 869 FRANKLIN, TN 37065 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 5.00% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH STREET, STE. 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.50% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH STREET, STE. 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $498 | — | $498 | 12.01% |
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 | 18,503 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 101 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,604 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,107 | $977K |
| Vision(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 19,677 | $1.4M |
| Life insurance(5 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 11,578 | $3.6M |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,621 | $832K |
| Long-term disability(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,303 | $1.1M |
| Other(7 contracts, 4 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 13,812 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,677 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.