| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $348K | $384K | $732K | 2.80% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $315K | — | $315K | 2.01% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $49K | — | $49K | 1.65% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. STE. 125 ROCKVILLE, MD 20855 | EYEMED VISION CARE | $25K | — | $25K | 0.86% |
| TBS AGENCY INC3 | 1776 PLEASANT PLAIN RD FAIRFIELD, IA 525568757 | METROPOLITAN LIFE INSURANCE COMPANY | $74K | — | $74K | 4.70% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | ARAG INSURANCE COMPANY | $177K | — | $177K | 12.79% |
| MCCULLUGH, CHRISTINE M3 | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $130K | — | $130K | 19.94% |
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 | 43,367 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 143 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 848 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 44,358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 3 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 2,716 | $19.7M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 8,418 | $3.2M |
| Vision | EYEMED VISION CARE | 58,846 | $2.9M |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 47,849 | $27.8M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 47,849 | $26.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 47,849 | $26.2M |
| Prescription drug(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 2,716 | $15.7M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 47,849 | $28.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 58,846 | — |
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.