| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $158K | $348K | $507K | 2.76% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $32K | $66K | $98K | 3.10% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON | LOCKBOX 28852, PO BOX 28852 NEW YORK, NY 10087 | EYEMED VISION CARE | $146K | — | $146K | 5.93% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. ROCKVILLE, MD 20855 | EYEMED VISION CARE | $49K | — | $49K | 1.98% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $48K | — | $48K | 2.05% |
| MORETON & COMPANY3 Filed as: MORETON & CO | PO BOX 58139 SALT LAKE CITY, UT 84158 | HARTFORD LIFE AND ACCIDENT | -$25K | — | -$25K | -1.06% |
| MORETON & COMPANY3 Filed as: FRED MORETON & CO | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | METROPOLITAN LIFE INSURANCE COMPANY | $250K | $3K | $252K | 11.08% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $69K | $42 | $69K | 3.03% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9K | $9K | 0.40% |
| MORETON & COMPANY3 Filed as: FRED MORETON & CO | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | METROPOLITAN LIFE INSURANCE COMPANY | — | $22 | $22 | 0.00% |
| TBS AGENCY INC3 | 1776 PLEASANT PLAIN RD FAIRFIELD, IA 52556 | METROPOLITAN LIFE INSURANCE COMPANY | $67K | — | $67K | 4.33% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | GUIDEONE SPECIALTY MUTUAL INSURANCE COMPANY | $87K | — | $87K | 10.00% |
| MCCULLUGH, CHRISTINE M3 | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $143K | — | $143K | 19.84% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | EYEMED VISION CARE | $409 | — | $409 | 5.77% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. ROCKVILLE, MD 20855 | EYEMED VISION CARE | $136 | — | $136 | 1.92% |
| MORETON & COMPANY3 Filed as: FRED MORETON & CO | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | METROPOLITAN LIFE INSURANCE COMPANY | $115 | $21 | $136 | 3.26% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $37 | $42 | $79 | 1.90% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5 | $5 | 0.12% |
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 | 38,801 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 226 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 594 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 39,621 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE | 45,170 | $2.5M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 32,980 | $19.9M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 32,980 | $18.3M |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 32,980 | $21.5M |
| Other(6 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 32,980 | $24.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 45,170 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.