| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 3600 N CAPITAL OF TEXAS HWY BLDG. B, SUITE 100 AUSTIN, TX 78746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $27K | $27K | 4.50% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $11K | $11K | 1.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE | PO BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 0.49% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 3600 NORTH CAPITAL OF TEXAS HWY BLDG. B, SUITE 100 AUSTIN, TX 78746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | $10K | $44K | 13.15% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $7K | $7K | 2.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE | PO BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$5 | $2K | $2K | 0.53% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 3600 N CAPITAL OF TEXAS HWY BLDG. B, SUITE 100 AUSTIN, TX 78746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $7K | $7K | 3.10% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $5K | $5K | 1.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE | PO BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 0.46% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 3600 N CAPITAL OF TEXAS HWY BLDG. B, #100 AUSTIN, TX 78746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 4.57% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENFITS INC. | 199 SCOTT STREET, 8TH FLOOR SUITE 800 BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $990 | $990 | 1.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE | PO BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$25 | $306 | $281 | 0.53% |
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 | 2,211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,885 | $302K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,900 | $332K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,900 | $608K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,539 | $232K |
| Other(4 contracts, 4 carriers) | ARMADA CARE | 3,900 | $393K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,900 | — |
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.