| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON, INC. | 29848 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE CO. | $25K | $0 | $25K | 4.60% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 0.88% |
| JOHN MOODY3 | PO BOX 818 PALOS VERDES ESTATES, CA 90274 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 0.43% |
| AMWINS3 Filed as: AMWINS CONNECT INS. SERVICES, LLC | 1600 WEST HILLSDALE BOULEVARD SUITE 201 SAN MATEO, CA 94402 | AETNA LIFE INSURANCE CO. | $477 | — | $477 | 0.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29982 NETWORK PLACE CHICAGO, IL 60673 | STARMOUNT LIFE INSURANCE COMPANY | $12K | $2K | $13K | 8.87% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $244 | $1K | 0.99% |
| JOHN MOODY3 Filed as: JOHN M. MOODY | PO BOX 818 PALOS VERDES ESTATES, CA 90274 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.87% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | STARMOUNT LIFE INSURANCE COMPANY | $641 | $0 | $641 | 0.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29982 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $3K | 2.31% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $240 | $1K | 1.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 19820 KNOXVILLE, TN 37939 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $737 | $123 | $860 | 0.69% |
| JOHN MOODY3 Filed as: JOHN M. MOODY | PO BOX 818 PALOS VERDES ESTATES, CA 90274 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $651 | $0 | $651 | 0.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29982 NETWORK PLACE CHICAGO, IL 60673 | UNUM INSURANCE COMPANY | $7K | $539 | $8K | 11.94% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | UNUM INSURANCE COMPANY | $3K | $469 | $4K | 5.76% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PARKWAY COLUMBIA, SC 29209 | UNUM INSURANCE COMPANY | $1K | $187 | $1K | 1.98% |
| JOHN MOODY3 Filed as: JOHN M. MOODY | PO BOX 818 PALOS VERDES ESTATES, CA 90274 | UNUM INSURANCE COMPANY | $482 | $0 | $482 | 0.73% |
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 | 1,281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 43 | $537K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 198 | $152K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 198 | $152K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,281 | $125K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,281 | $125K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 43 | $537K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,281 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,281 | — |
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.