| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 500 N AKARD ST SUITE 4300 DALLAS, TX 75201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $125K | $125K | 4.12% |
| KRISTOPHER A BERGMANN3 | 3001 S HARDIN BLVD STE 110 MCKINNEY, TX 75070 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $31K | $31K | 1.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SER WEST | 500 N AKARD ST STE 4300 DALLAS, TX 75201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $54K | $5K | $59K | 17.85% |
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 | 445 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 446 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 550 | $3.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 550 | $3.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 550 | $3.0M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 855 | $329K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 855 | $329K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 855 | $329K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 855 | $329K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 855 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.