| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA | 100 MATSONFORD ROAD SUITE 200 RADNOR, PA 19087 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $50K | — | $50K | 2.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | PO BOX 32090 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $125 | $3K | 5.50% |
| HAUSER INC3 Filed as: THE HAUSER GROUP | 8260 NORTHCREEK DR, STE 200 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$229 | — | -$229 | -0.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | 100 MATSONFORD ROAD BUILDING 5, SUITE 200 RADNOR, PA 19087 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | $1K | — | $1K | 4.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | PO BOX 32090 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $24 | $2K | 15.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | PO BOX 32090 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $368 | $12 | $380 | 6.49% |
| HAUSER INC3 Filed as: THE HAUSER GROUP | 5905 E GALBRAITH RD SUITE 9000 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$11 | — | -$11 | -0.19% |
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 | 282 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 230 | $2.0M |
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | 383 | $26K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $59K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $13K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 230 | $2.0M |
| Other(3 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 230 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.