| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE CO OF NORTH AMERICA | — | $6K | $6K | 2.90% |
| AGIS NETWORK INC3 | 2122 KRATKY RD ST. LOUIS, MO 63114 | UNUM LIFE INS CO OF AMERICA | $23K | — | $23K | 17.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 NEW YORK, NY 100878852 | UNUM LIFE INS CO OF AMERICA | $2K | — | $2K | 1.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE CO OF NORTH AMERICA | — | $994 | $994 | 2.50% |
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE CO OF NORTH AMERICA | — | $184 | $184 | 2.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 NEW YORK, NY 100878852 | PRINCIPAL LIFE INSURANCE COMPANY | — | — | $0 | — |
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 | 258 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO | 529 | $608K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE CO | 529 | $608K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE CO | 529 | $608K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE CO OF NORTH AMERICA | 255 | $40K |
| Short-term disability | LIFE INSURANCE CO OF NORTH AMERICA | 258 | $194K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE CO OF NORTH AMERICA | 258 | $329K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE CO | 529 | $608K |
| Other | LIFE INSURANCE CO OF NORTH AMERICA | 255 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 529 | — |
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.