| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $122K | $20K | $142K | 3.49% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $113K | $81K | $194K | 5.13% |
| SURVIVOR OUTREACH SERVICES3 | 2591 DALLAS PARKWAY SUITE 203 FRISCO, TX 75034 | SECURIAN LIFE INSURANCE COMPANY | — | $12K | $12K | 0.33% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX #28852 P.O. BOX 28852 NEW YORK, NY 10087 | DENTEGRA INSURANCE COMPANY | $7K | — | $7K | 3.50% |
| DELTA DENTAL OF WASHINGTON3 | 400 FAIRVIEW AVE. N SUITE 800 SEATTLE, WA 98109 | DENTEGRA INSURANCE COMPANY | $3K | — | $3K | 1.50% |
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 | 11,464 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 91 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 286 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,841 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTEGRA INSURANCE COMPANY | 927 | $198K |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 13,658 | $3.8M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $4.1M |
| Other(2 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 13,764 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,764 | — |
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.