| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 EAST CARMEL DRIVE CARMEL, ID 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $27K | — | $27K | 8.40% |
| REDFIELD ASSOCIATES LTD3 | 1755 PARK ST. STE. 200 NAPERVILLE, IL 60563 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | — | $18K | 5.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 6967 S RIVER GATE DR STE 200 MIDVALE, UT 84047 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $9K | $9K | 2.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA, INC. | PO BOX 730054 DALLAS, TX 75373 | VISION SERVICE PLAN | $4K | — | $4K | 1.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | SERVICES WEST, INC 16220 N SCOTTSDALE RD, STE 600 SCOTTSDALE, AZ 85254 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $622 | $9K | 6.26% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFIT PROGRAMS AN | AON COMPANY 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 3.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 16220 N SCOTTSDALE RD, STE 600 SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $756 | $10K | 16.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | SERVICES WEST, INC 16220 N SCOTTSDALE RD, STE 600 SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $241 | $4K | 6.50% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFIT PROGRAM AN | AON COMPANY 897 12TH ST HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 650 EAST CARMEL DRIVE CARMEL, ID 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 8.40% |
| REDFIELD ASSOCIATES LTD3 | 1755 PARK ST. STE. 200 NAPERVILLE, IL 60563 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6967 S RIVER GATE DR STE 200 MIDVALE, UT 84047 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 2.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $98 | $1K | 16.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | SERVICES WEST, INC. 16220 N SCOTTSDALE RD, STE 600 SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $258 | $17 | $275 | 6.46% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFIT PROGRAM AN | AON COMPANY 897 12TH ST HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $107 | — | $107 | 2.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2000 MORRIS AVENUE STE. 1400 BIRMINGHAM, AL 35203 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 90.01% |
| REDFIELD ASSOCIATES LTD3 Filed as: REDFIELD ASSOCIATESLTD | 1190 REDFIELD ROAD NAPERVILLE, IL 60563 | TRANSAMERICA LIFE INSURANCE COMPANY | $321 | — | $321 | 8.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 11201 NORTH TATUM BLVD SUITE 300 PHOENIX, AZ 85028 | HARTFORD LIFE AND ACCIDENT | $480 | $48 | $528 | 16.49% |
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 | 1,602 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,605 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,582 | $322K |
| Life insurance(5 contracts, 4 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,506 | $260K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 365 | $150K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,506 | $326K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,602 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,602 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.