| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 35371 NETWORK PLACE CHICAGO, IL 60673 | DEARBORN LIFE INSURANCE COMPANY | $55K | — | $55K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 500 N AKARD STREET STE 4300 DALLAS, TX 75201 | DEARBORN LIFE INSURANCE COMPANY | — | $25K | $25K | 2.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 233 S WACKER DR. STE 200 CHICAGO, IL 60606 | PROTEC INSURANCE COMPANY | $8K | — | $8K | 4.96% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 6230 FAIRVIEW DR STE 210 CHARLOTTE, NC 28210 | COMBINED INSURANCE COMPANY OF AMERICA | $46K | — | $46K | 43.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 333 BRIDGE ST NW STE 710 GRAND RAPIDS, MI 49504 | COMBINED INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 18.44% |
| BENEFITS ALL IN LLC3 | 8040 HOSBROOK RD STE 100 CINCINNATI, OH 45236 | COMBINED INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 8.55% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 6230 FAIRVIEW DR STE 210 CHARLOTTE, NC 28210 | COMBINED INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 25.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 333 BRIDGE ST NW STE 710 GRAND RAPIDS, MI 49504 | COMBINED INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.72% |
| BENEFITS ALL IN LLC3 | 8040 HOSBROOK RD STE 100 CINCINNATI, OH 45236 | COMBINED INSURANCE COMPANY OF AMERICA | $517 | — | $517 | 3.69% |
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 | 1,454 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 180 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,645 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | PROTEC INSURANCE COMPANY | 1,678 | $169K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 3,708 | $918K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 3,708 | $918K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 3,708 | $918K |
| Other(3 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 3,708 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,708 | — |
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.