| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | STE 1100 5600 W 83RD ST 8200 TOWER BLOOMINGTON, MN 55437 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $76K | $78K | 21.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | LLC - CLEVELAND , CORPORATE LOCKBOX GPO BOX 27447 NEW YORK, NY 100877447 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $149 | $149 | 0.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | STE 1100 5600 W 83RD ST 8200 TOWER BLOOMINGTON, MN 55437 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $5K | $12K | 3.34% |
| DAVID WILLIAM BERNARD3 | STE 505 8220 SAN PEDRO NE ALBUQUERQUE, NM 87113 | NORTHWESTERN MUTUAL | $17K | $10K | $27K | 8.01% |
| BRADLEY E. JUSTICE3 | STE 505 8220 SAN PEDRO NE ALBUQUERQUE, NM 87113 | NORTHWESTERN MUTUAL | $16K | $4K | $20K | 5.94% |
| NICHOLAS PATRICK EWEN3 | 1 RIVERWAY STE 900 HOUSTON, TX 77056 | NORTHWESTERN MUTUAL | $3K | $5K | $8K | 2.50% |
| LNG ENTERPRISES, LLC3 Filed as: LNG ENTERPRISES LLC | 5251 W 116TH PI STE 300 LEAWOOD, KS 66211 | NORTHWESTERN MUTUAL | $2K | $279 | $3K | 0.77% |
| STEVEN A TRUJILLO3 | 601 UNION ST STE 2500 SEATTLE, WA 98101 | NORTHWESTERN MUTUAL | $66 | $101 | $167 | 0.05% |
| NIKOLINA CUCA3 | 1 N WACKER DR STE 4600 CHICAGO, IL 60606 | NORTHWESTERN MUTUAL | $46 | $19 | $65 | 0.02% |
| NM PHOENIX AZ AGY3 | STE 400 2201 E CAMELBACK RD PHOENIX, AZ 85016 | NORTHWESTERN MUTUAL | $48 | $6 | $54 | 0.02% |
| ALEX MALCOLM SWAINSBURY3 | 8621 E 21ST ST N ST 150 WICHITA, KS 67206 | NORTHWESTERN MUTUAL | $16 | $31 | $47 | 0.01% |
| MCQUADE FNCL GRP LLC3 | 1 N WACKER DR STE 4600 CHICAGO, IL 60606 | NORTHWESTERN MUTUAL | $25 | $3 | $28 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1301 DOVE ST SUITE #200 NEWPORT BEACH, CA 92660 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39K | — | $39K | 11.52% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST 4TH FL SAN DIEGO, CA 92101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $15K | $15K | 4.37% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 3600 N CAPITAL OF TEXAS HWY #B-200 AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 3.48% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1301 DOVE ST SUITE #200 NEWPORT BEACH, CA 92660 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | — | $34K | 11.23% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST 4TH FL SAN DIEGO, CA 92101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $26K | $26K | 8.35% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 3600 N CAPITAL OF TEXAS HWY #B-200 AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 3.77% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2415 EAST CAMELBACK RD, STE 420 PHOENIX, AZ 85016 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 13.15% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES INC | ATTN KEISHA AUTMON 3010 BRIARPARK DRIVE HOUSTON, TX 77042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 4.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSRUANCE | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.03% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVE, 10TH FLOOR IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 1.74% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST, STE 800 BUFFALO, NY 14204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.74% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1301 DOVE ST SUITE #200 NEWPORT BEACH, CA 92660 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | — | $22K | 11.57% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST 4TH FL SAN DIEGO, CA 92101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $22K | $22K | 11.23% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 3600 N CAPITAL OF TEXAS HWY #B-200 AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 3.43% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES | 3010 BRIARPARK DRIVE, STE 8000 HOUSTON, TX 77042 | VISION SERVICE PLAN | $713 | — | $713 | 0.37% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST 4TH FL SAN DIEGO, CA 92101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $10K | $38K | 26.86% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN BENEFIT SOLUTIONS INC | 3010 BRIARPARK DR STE 8000 HOUSTON, TX 77042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST 4TH FL SAN DIEGO, CA 92101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $9K | $35K | 26.88% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN BENEFIT SOLUTIONS INC | 3010 BRIARPARK DR STE 8000 HOUSTON, TX 77042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | STE 1100 5600 W 83RD ST 8200 TOWER BLOOMINGTON, MN 55437 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 20.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | STE 1100 5600 W 83RD ST 8200 TOWER BLOOMINGTON, MN 55437 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 13.81% |
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 | 2,412 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 52 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,462 | $190K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,901 | $335K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 489 | $194K |
| Long-term disability(4 contracts, 4 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 2,412 | $1.4M |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,412 | $635K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,412 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.