| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX #28852 P.O. BOX 28852 NEW YORK, NC 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $57K | $8K | $65K | 3.43% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX #28852 P.O. BOX 28852 NEW YORK, NC 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 0.90% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX #28852 P.O. BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $27K | $20K | $48K | 5.21% |
| SURVIVOR OUTREACH SERVICES3 | 2591 DALLAS PARKWAY SUITE 203 FRISCO, TX 75034 | SECURIAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.34% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX #28852 P.O. BOX 28852 NEW YORK, NY 10087 | DENTEGRA INSURANCE COMPANY | $3K | — | $3K | 3.48% |
| DELTA DENTAL OF WASHINGTON3 | 400 FAIRVIEW AVE. N SUITE 800 SEATTLE, WA 98109 | DENTEGRA INSURANCE COMPANY | $1K | — | $1K | 1.50% |
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 | 6,288 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 165 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,470 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTEGRA INSURANCE COMPANY | 676 | $96K |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 6,862 | $914K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $928K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $1.9M |
| Other | BEACON HEALTH OPTIONS, INC | 3,665 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,862 | — |
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."
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.