| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $241K | — | $241K | 26.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WI INC | 400 N EXECUTIVE DR SUITE 300 BROOKFIELD, WI 53005 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $79K | — | $79K | 8.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $35K | $35K | 3.89% |
| VOLUNTARY BENEFIT ADVISORS3 Filed as: VOLUNTARY BENEFITS AGENCY LLC | 68 N HIGH ST BLDG B STE 201 NEW ALBANY, OH 43054 | TRANSAMERICA | $67K | — | $67K | 8.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN, INC. | 400 N EXECUTIVE DR STE 300 BROOKFIELD, WI 53005 | TRANSAMERICA | $31K | — | $31K | 4.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN, INC. | 122 E. COLLEGE AVE UNIT 201 APPLETON, WI 54911 | AXIS INSURANCE COMPANY | $82K | — | $82K | 12.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN, INC. | 93033 NETWORK PL CHICAGO, IL 60673 | VISION SERVICE PLAN | $31K | — | $31K | 10.00% |
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 | 4,084 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,096 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRANSAMERICA | 4,738 | $1.4M |
| Dental | AXIS INSURANCE COMPANY | 1,376 | $634K |
| Vision | VISION SERVICE PLAN | 2,587 | $305K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,322 | $908K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,322 | $908K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,322 | $908K |
| Prescription drug | AXIS INSURANCE COMPANY | 1,376 | $634K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,322 | $908K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,738 | — |
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.
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.