| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 | 1350 AVENUE OF AMERICAS NEW YORK, NY 10019 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $101K | — | $101K | 9.48% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE I | 160 FEDERAL ST BOSTON, MA 021101700 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $766 | $26K | 9.93% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST. MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $2K | $14K | 5.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS, INC. | PO BOX 731739 DALLAS, TX 753731739 | METROPOLITAN LIFE INSURANCE COMPANY | — | $434 | $434 | 0.17% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL ST BOSTON, MA 02110 | VISION SERVICE PLAN | $2K | — | $2K | 7.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE I | 1350 AVENUE OF AMERICAS NEW YORK, NY 10019 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $954 | — | $954 | 15.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS, INC. | 15305 N. DALLAS PARKWAY ADDISON, TX 75001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $45 | $45 | 0.71% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS OF TEXAS, INC. | 15305 N. DALLAS PARKWAY ADDISON, TX 75001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $52 | $5 | $57 | 16.47% |
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 | 207 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 391 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 974 | $259K |
| Vision | VISION SERVICE PLAN | 198 | $30K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 207 | $346 |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 391 | $1.1M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 207 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 974 | — |
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.