| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SERVICES | PO BOX 730054 DALLAS, TX 753730054 | AETNA LIFE INSURANCE CO. | — | $3K | $3K | 0.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $903 | $5K | 11.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 16220 N SCOTTSDALE RD SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $202 | $2K | 6.14% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $71 | $2K | 5.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SERVICES | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $548 | $5K | 22.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC DBA GIS COMMUNICAT | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $68 | — | $68 | 0.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14 | $5 | $19 | 0.08% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $257 | $2K | 10.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 16220 N SCOTTSDALE RD STE600 SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $110 | $1K | 6.08% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 BEE CAVE ROAD STE 125 AUSTIN, TX 78746 | VISION SERVICE PLAN | $950 | — | $950 | 4.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SERVICES | PO BOX 730054 DALLAS, TX 753730054 | VISION SERVICE PLAN | $635 | — | $635 | 2.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $912 | $106 | $1K | 10.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $525 | $44 | $569 | 5.94% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $479 | — | $479 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC BROKER | Securities brokerage Service code 33 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | $29K |
| WILLIS TOWERS WATSON INSURANCE BROKER | Securities brokerage Service code 33 | PO BOX 730054 DALLAS, TX 75373 | $19K |
| MARSH & MCLENNEN AGENCY LLC EIN 26-3237576 BROKER | Securities brokerage Service code 33 | — | $0 |
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 | 381 | 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) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 199 | $1.2M |
| Vision | VISION SERVICE PLAN | 155 | $23K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 386 | $10K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 35 | $38K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 35 | $38K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 386 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.