| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | 950 17TH STREET SUITE 1400 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $153K | — | $153K | 0.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WASTON DELAWARE, INC. | LOCKBOX 28852 NEW YORK, NY 10067 | HARTFORD LIFE AND ACCIDENT | — | $42K | $42K | 0.24% |
| MORETON & COMPANY3 | P.O BOX 58139 SALT LAKE CITY, UT 84158 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | 950 17TH STREET SUITE 1400 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $33K | — | $33K | 1.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 0.20% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 541580139 | HARTFORD LIFE AND ACCIDENT | $0 | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON | LOCKBOX 28852, PO BOX 28852 NEW YORK, NY 10087 | EYEMED VISION CARE | $144K | — | $144K | 6.37% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. STE. 125 ROCKVILLE, MD 20855 | EYEMED VISION CARE | $48K | — | $48K | 2.12% |
| MORETON & COMPANY3 Filed as: FRED MORETON & COMPANY | 709 EAST SOUTH TEMPLE SALT LAKE CITY, UT 84102 | HARTFORD LIFE AND ACCIDENT | $21K | — | $21K | 0.98% |
| MORETON & COMPANY3 Filed as: FRED MORETON & CO | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | METROPOLITAN LIFE INSURANCE COMPANY | $247K | $32K | $279K | 16.46% |
| TBS AGENCY INC3 | 1776 PLEASANT PLAIN RD FAIRFIELD, IA 52556 | METROPOLITAN LIFE INSURANCE COMPANY | $66K | — | $66K | 4.31% |
| MCCULLUGH, CHRISTINE M3 | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $128K | — | $128K | 19.90% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | GUIDEONE SPECIALTY MUTUAL INSURANCE COMPANY | $56K | — | $56K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON | LOCKBOX 28852, PO BOX 28852 NEW YORK, NY 10087 | EYEMED VISION CARE | $536 | — | $536 | 6.77% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. STE. 125 ROCKVILLE, MD 20855 | EYEMED VISION CARE | $179 | — | $179 | 2.26% |
| MORETON & COMPANY3 Filed as: FRED MORETON & CO | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | METROPOLITAN LIFE INSURANCE COMPANY | $401 | $59 | $460 | 17.52% |
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 | 32,199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 252 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 466 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 32,917 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE | 42,148 | $2.3M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 30,602 | $19.0M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 30,602 | $17.5M |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 30,602 | $20.8M |
| Other(7 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 30,602 | $25.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 42,148 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.