| 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 | $240K | $89K | $329K | 8.63% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $234K | $25K | $259K | 7.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $45K | $45K | 1.23% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | RELIASTAR LIFE INSURANCE COMPANY | $1.0M | $68K | $1.1M | 32.70% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $131K | $48K | $180K | 8.63% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE PLAN | $65K | $24K | $89K | 8.60% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $15K | — | $15K | 4.73% |
| TERRY HAVENS3 | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $7K | — | $7K | 2.37% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | ARAG SERVICES, LLC | $27K | — | $27K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $12K | $2K | $14K | 8.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA | N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $4K | $4K | 2.15% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $7K | — | $7K | 5.06% |
| TERRY HAVENS3 | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $4K | — | $4K | 2.53% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 16.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE | ONE HOUSTON CENTER HOUSTON, TX 77010 | LLOYDS | $4K | — | $4K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE | ONE HOUSTON CENTER HOUSTON, TX 77010 | LLOYDS | $740 | — | $740 | 10.00% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $139 | — | $139 | 4.55% |
| TERRY HAVENS3 | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $69 | — | $69 | 2.26% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $62 | — | $62 | 4.42% |
| TERRY HAVENS3 | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $31 | — | $31 | 2.21% |
| 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 | $12 | $64 | $76 | 12.18% |
| HITT, LARRY, RANDOL3 | 13231 CHAMPION FOREST STE 210 HOUSTON, TX 77069 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.48% |
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 | 11,323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 325 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,648 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(5 contracts, 2 carriers) | VISION SERVICE PLAN | 4,030 | $1.4M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 11,593 | $5.9M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 228 | $173K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 8,318 | $3.6M |
| Other(8 contracts, 7 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 16,800 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,800 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.