| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $0 | $119K | $119K | 2.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $47K | $47K | 1.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $20K | $20K | 0.51% |
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON DELAWARE INC | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | NATIONAL GUARDINA LIFE INSURNACE COMPANY | $0 | $0 | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $0 | $17K | $17K | 2.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $7K | $7K | 1.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $3K | $3K | 0.43% |
| BENEPLACE, INC.3 Filed as: BENEPLACE | PO BOX 203550 AUSTIN, TX 78720 | METLIFE LEGAL PLANS, INC | $64K | $0 | $64K | 10.53% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 717 NORTH HARWOOD SUITE 2500 DALLAS, TX 752016527 | METLIFE LEGAL PLANS, INC | $0 | $73 | $73 | 0.01% |
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 | 28,784 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 118 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,647 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 30,549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ALPHA DENTAL PROGRAMS INC | 10,344 | $1.1M |
| Vision | NATIONAL GUARDINA LIFE INSURNACE COMPANY | 42,505 | $2.7M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 3,298 | $5.2M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 23,109 | $3.9M |
| Other(3 contracts, 3 carriers) | SECURIAN LIFE INSURANCE COMPANY | 12,256 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 42,505 | — |
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.