| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | COM LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $215K | $215K | 2.30% |
| SEDGWICK CLAIMS MANAGEMENT SERVICES5 Filed as: SEDGWICKCLAIMS MANAGEMENT SERVICES | 2620 THOUSAND OAKS BLVD. MEMPHIS, TN 38118 | PRUDENTAIL INSURANCE COMPANY OF AMERICA | — | $1.2M | $1.2M | 31.19% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 25TH FLOOR 99 PARK AVE. NEW YORK, NY 10016 | PRUDENTAIL INSURANCE COMPANY OF AMERICA | $86K | — | $86K | 2.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | COM LOCKBOX 28856 P.O. BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $67K | $67K | 2.31% |
| ANTHONY ORGERA3 Filed as: ANTHONY AZIZ | WILLIS TOWERS WATSON 225 BROADHOLLOW, SUITE 300 MELVILLE, NY 11747 | ACE AMERICAN INSURANCE COMPANY | $26K | — | $26K | 10.00% |
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 | 33,369 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 476 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 589 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 34,434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA INTERNATIONAL | 208 | $587K |
| Dental | AETNA INTERNATIONAL | 208 | $587K |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 33,346 | $12.2M |
| Short-term disability | PRUDENTAIL INSURANCE COMPANY OF AMERICA | 21,010 | $4.0M |
| Long-term disability | PRUDENTAIL INSURANCE COMPANY OF AMERICA | 21,010 | $4.0M |
| Prescription drug | AETNA INTERNATIONAL | 208 | $587K |
| Other(3 contracts, 3 carriers) | VALUEOPTIONS, INC. | 72,584 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 72,584 | — |
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."
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.