| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: HRH - WILLIS OF COLORADO INC. | 2000 S COLORADO BLVD SUITE 900 TOWER II DENVER, CO 80222 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 1.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 2000 S COLORADO BLVD SUITE 900 DENVER, CO 80222 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 1.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO INC | 555 17TH ST SUITE 2050 DENVER, CO 80202 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $823 | $823 | 0.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SVCS | 62877 COLLECTIONS CENTER DR CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SVCS | 500 N AKARD STREET SUITE 4300 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $188 | $188 | 1.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS INC. | 62877 COLLECTIONS CENTER DR CHICAGO, IL 60693 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $365 | — | $365 | 6.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO INC | 62877 COLLECTIONS CENTER DR CHICAGO, IL 60693 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $241 | — | $241 | 4.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 720 S COLORADO BLVD SUITE 600 DENVER, CO 80246 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $831 | $69 | $900 | 16.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SVCS | 62877 COLLECTIONS CENTER DR CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $274 | — | $274 | 9.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SVCS | 500 N AKARD STREET SUITE 4300 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $39 | $39 | 1.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SVCS | 62877 COLLECTIONS CENTER DR CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $246 | — | $246 | 9.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SVCS | 500 N AKARD STREET SUITE 4300 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $43 | $43 | 1.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SVCS | 62877 COLLECTIONS CENTER DR CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $169 | — | $169 | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SVCS | 500 N AKARD STREET SUITE 4300 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $24 | $24 | 1.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO INC | 2000 S COLORADO BLVD TOWER II, SUITE 900 DENVER, CO 80222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $106 | — | $106 | 10.02% |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 139 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 139 | $1.2M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 126 | $6K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 17 | $6K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 31 | $3K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 110 | $14K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 139 | $1.2M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 17 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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."
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.