| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 93033 NETWORK PL CHICAGO, IL 60673 | DELTA DENTAL OF CALIFORNIA | $174K | — | $174K | 1.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 400 N EXECUTIVE DR STE 300 BROOKFIELD, WI 53005 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $315K | $315K | 3.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 101162 PASADENA, CA 91189 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $69K | $69K | 0.81% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | METROPOLITAN LIFE INSURANCE COMPANY | $89K | $27 | $89K | 3.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 0.21% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $27 | $39K | 3.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 400 N EXECUTIVE DR STE 300 BROOKFIELD, WI 53005 | METLIFE LEGAL PLANS | $74K | — | $74K | 9.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH @WORK SOLUTIONS | P.O. BOX 14496 DES MOINES, IA 50306 | METLIFE LEGAL PLANS | — | $38 | $38 | 0.00% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | METROPOLITAN LIFE INSURANCE COMPANY | $293K | $27 | $293K | 41.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | $73K | $1K | $75K | 10.56% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | METROPOLITAN LIFE INSURANCE COMPANY | $134K | $27 | $134K | 40.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $685 | $34K | 10.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 93033 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $3K | — | $3K | 1.56% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | METROPOLITAN LIFE INSURANCE COMPANY | $124K | $70K | $194K | 3549.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 93033 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $39 | $31K | 567.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 115.91% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | METROPOLITAN LIFE INSURANCE COMPANY | $55K | $32K | $87K | 3784.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 93033 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $39 | $14K | 600.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 125.63% |
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 | 2,074 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 63 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CALIFORNIA | 0 | $17.4M |
| Vision | VISION SERVICE PLAN | 1,312 | $202K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 0 | $8.6M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 0 | $8.6M |
| Other(8 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,801 | $14.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,801 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.