| 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 | $205K | $75K | $280K | 8.59% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | RELIASTAR LIFE INSURANCE COMPANY | $735K | $58K | $793K | 27.24% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $192K | $53K | $245K | 8.82% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $108K | $39K | $147K | 8.59% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE PLAN | $54K | $19K | $73K | 8.57% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $119K | — | $119K | 16.18% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $16K | — | $16K | 6.81% |
| TERRY HAVENS3 | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $7K | — | $7K | 2.98% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | ARAG SERVICES, LLC | $21K | — | $21K | 10.00% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $8K | — | $8K | 6.83% |
| TERRY HAVENS3 | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $3K | — | $3K | 2.98% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $4K | $12K | 10.68% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 15.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE | ONE HOUSTON CENTER HOUSTON, TX 77010 | LLOYDS | $2K | — | $2K | 10.00% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $269 | — | $269 | 7.43% |
| TERRY HAVENS3 | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $115 | — | $115 | 3.18% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE | ONE HOUSTON CENTER HOUSTON, TX 77010 | LLOYDS | $357 | — | $357 | 10.00% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $75 | — | $75 | 7.31% |
| TERRY HAVENS3 | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $33 | — | $33 | 3.22% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | AN AON COMPANY 897 12TH ST. HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $77 | $89 | 14.26% |
| 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 | 9,896 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,760 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,656 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(5 contracts, 2 carriers) | VISION SERVICE PLAN | 3,493 | $1.1M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 10,306 | $5.0M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 172 | $111K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,179 | $2.8M |
| Other(8 contracts, 7 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 14,476 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,476 | — |
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.