| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 SOUTH WACKER DRIVE, SUITE 2000 CHICAGO, IL 60606 | AETNA LIFE INSURANCE COMPANY | $57K | $0 | $57K | 2.47% |
| KRAUTER AND COMPANY, LLC3 Filed as: KRAUTER AND COMPANY LLC | 1350 AVENUE OF THE AMERICAS 18TH FLOOR NEW YORK, NY 10019 | AETNA LIFE INSURANCE COMPANY | $30K | $6 | $30K | 1.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | UNKNOWN CHICAGO, IL 60605 | AETNA LIFE INSURANCE COMPANY | $0 | $71 | $71 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 SOUTH WACKER DRIVE, SUITE 2000 CHICAGO, IL 60606 | AETNA HEALTH, INC. | $11K | $0 | $11K | 3.10% |
| KRAUTER AND COMPANY, LLC3 Filed as: KRAUTER AND COMPANY LLC | 1350 AVENUE OF THE AMERICAS 18TH FLOOR NEW YORK, NY 10019 | AETNA HEALTH, INC. | $5K | $0 | $5K | 1.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 SOUTH WACKER DRIVE, SUITE 2000 CHICAGO, IL 60606 | UNION SECURITY INSURANCE COMPANY | $9K | $0 | $9K | 2.66% |
| KRAUTER AND COMPANY, LLC3 Filed as: KRAUTER AND COMPANY | 1350 AVENUE OF THE AMERICAS 18TH FLOOR NEW YORK, NY 10019 | UNION SECURITY INSURANCE COMPANY | $5K | $0 | $5K | 1.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 35371 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $2K | $0 | $2K | 5.96% |
| KRAUTER AND COMPANY, LLC3 Filed as: KRAUTER AND COMPANY | 1350 AVENUE OF THE AMERICAS 18TH FLOOR NEW YORK, NY 10019 | VISION SERVICE PLAN | $774 | $0 | $774 | 2.83% |
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 | 403 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 384 | $2.7M |
| Dental | UNION SECURITY INSURANCE COMPANY | 303 | $320K |
| Vision | VISION SERVICE PLAN | 209 | $27K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 303 | $320K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 303 | $320K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 303 | $320K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 384 | $2.7M |
| Other | UNION SECURITY INSURANCE COMPANY | 303 | $320K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.