| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 100878852 | DELTA DENTAL OF COLORADO | $70K | — | $70K | 1.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | 2000 S COLORADO BLVD TOWER II SUITE 900 DENVER, CO 80222 | DELTA DENTAL OF COLORADO | $15K | — | $15K | 0.37% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $27K | — | $27K | 1.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA | 801 S FIGUEROA STREET SUITE 800 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $17K | $17K | 1.01% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $38K | — | $38K | 6.73% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $12K | — | $12K | 6.76% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $562 | $86 | $648 | 3.46% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $513 | — | $513 | 6.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | 62877 COLLECTIONS CENTER DR CHICAGO, IL 60693 | HARTFORD LIFE AND ACCIDENT | $488 | — | $488 | 15.01% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $125 | — | $125 | 6.41% |
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 | 3,519 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 65 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,593 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 19,227 | $4.0M |
| Vision(4 contracts) | EYEMED VISION CARE | 3,252 | $762K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 6,112 | $1.7M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 6,112 | $1.7M |
| Other(3 contracts, 2 carriers) | WEST HEALTH ADVOCATE SOLUTIONS, INC. | 92,346 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 92,346 | — |
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."
No prospect flags tripped on this filing.