| 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 | $311K | $94K | $405K | 9.74% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $240K | $273K | $512K | 12.35% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | RELIASTAR LIFE INSURANCE COMPANY | $2.2M | $70K | $2.3M | 66.26% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $178K | $54K | $231K | 9.74% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE PLAN | $76K | $26K | $102K | 8.45% |
| WILLIS TOWERS WATSON US LLC4 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | — | $31K | 8.03% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | ARAG SERVICES, LLC | $33K | — | $33K | 10.00% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $16K | $102K | $118K | 44.18% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $10K | — | $10K | 4.18% |
| TERRY HAVENS3 | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $5K | — | $5K | 2.09% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $6K | — | $6K | 4.23% |
| TERRY HAVENS3 | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $3K | — | $3K | 2.11% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 14.95% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LLOYDS | $6K | — | $6K | 11.11% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LLOYDS | $1K | — | $1K | 11.12% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $117 | — | $117 | 4.28% |
| TERRY HAVENS3 | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $58 | — | $58 | 2.12% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | AN AON COMPANY 897 12TH ST. HAMMONTON, NC 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $101 | $125 | 9.80% |
| HITT, LARRY, RANDOL3 | 13231 CHAMPION FOREST STE 210 HOUSTON, TX 77069 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.63% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $34 | — | $34 | 4.30% |
| TERRY HAVENS3 | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $17 | — | $17 | 2.15% |
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 | 16,461 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 194 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,655 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(6 contracts, 3 carriers) | VISION SERVICE PLAN | 4,058 | $1.6M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 16,322 | $6.5M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 428 | $267K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 9,962 | $4.1M |
| Other(8 contracts, 7 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 18,116 | $5.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,116 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.