| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 920 MEMORIAL CITY WAY #500 HOUSTON, TX 77024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $199K | — | $199K | 10.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 7733 FORSYTH BLVD STE 1350 SAINT LOUIS, MO 63105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $21K | $21K | 1.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 12505 PARK POTOMAC AVE STE 300 POTOMAC, MD 20854 | KAISER FOUNDATION HEALTH PLAN INC. | $47K | — | $47K | 3.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 801 SOUTH FIGUEROA ST SUITE 800 LOS ANGELES, CA 90017 | TUFTS ASSOCIATED HEALTH MAINTANANCE ORG., INC. | $17K | — | $17K | 1.48% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $56K | — | $56K | 12.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29848 NETWORK PLACE CHICAGO, IL 60673 | TRANSAMERICA LIFE INSURANCE COMPANY | $28K | — | $28K | 6.30% |
| DAVID D HOWES3 | 2461 W STATE RD 426 SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | — | $8K | 1.85% |
| DAVID MOHSHER3 | 4517 W VASCONIA ST TAMPA, FL 33629 | TRANSAMERICA LIFE INSURANCE COMPANY | $11 | — | $11 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 62877 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $3K | — | $3K | 2.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 2010 MAIN ST IRVINE, CA 92614 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 2.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 101162 PASADENA, CA 91189 | AETNA LIFE INSURANCE CO. | $26 | — | $26 | 0.04% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 W STATE RD 426 SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 17.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29848 NETWORK PLACE CHICAGO, IL 60673 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.83% |
| DAVID D HOWES3 | 2461 W STATE RD 426 SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $280 | — | $280 | 1.07% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 13.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29848 NETWORK PLACE CHICAGO, IL 60673 | TRANSAMERICA LIFE INSURANCE COMPANY | $694 | — | $694 | 5.72% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $907 | — | $907 | 12.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29848 NETWORK PLACE CHICAGO, IL 60673 | TRANSAMERICA LIFE INSURANCE COMPANY | $402 | — | $402 | 5.35% |
| DAVID D HOWES3 | 2461 W STATE RD 426 STE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $31 | — | $31 | 0.41% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $468 | — | $468 | 11.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29848 NETWORK PLACE CHICAGO, IL 60673 | TRANSAMERICA LIFE INSURANCE COMPANY | $256 | — | $256 | 6.37% |
| DAVID D HOWES3 | 2461 W STATE RD 426 SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $130 | — | $130 | 3.23% |
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 | 1,965 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 58 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,038 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 136 | $2.4M |
| Dental | AETNA LIFE INSURANCE CO. | 383 | $71K |
| Vision | VISION SERVICE PLAN | 2,020 | $169K |
| Life insurance(6 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,009 | $2.4M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,009 | $1.9M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,009 | $1.9M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 136 | $2.4M |
| Other(6 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,009 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,020 | — |
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.