| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SERVICES | WEST INC PO BOX 730054 DALLAS, TX 75373 | VISION SERVICE PLAN | $5K | — | $5K | 1.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA, INC. | PO BOX 730054 DALLAS, TX 75373 | VISION SERVICE PLAN | $392 | — | $392 | 0.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 EAST CARMEL DRIVE SUITE 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $27K | $9K | $36K | 11.21% |
| REDFIELD ASSOCIATES LTD3 | 1755 PARK ST. STE. 200 NAPERVILLE, IL 60563 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | — | $18K | 5.60% |
| 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 | $3K | $143 | $3K | 3.05% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFIT PROGRAM AN | AON COMPANY 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $513 | $3K | 2.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 E. CARMEL DRIVE STE. 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $36K | $2K | $38K | 56.79% |
| REDFIELD ASSOCIATES LTD3 | 1755 PARK ST. STE 200 NAPERVILLE, IL 60563 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 7.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 19087 | TRANSAMERICA LIFE INSURANCE COMPANY | $37K | — | $37K | 57.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2000 MORRIS AVENUE STE 1400 BIRMINGHAM, AL 35203 | TRANSAMERICA LIFE INSURANCE COMPANY | $19K | — | $19K | 30.16% |
| REDFIELD ASSOCIATES LTD3 | 1190 REDFIELD ROAD NAPERVILLE, IL 60563 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 9.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 E. CARMEL DRIVE STE. 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $1K | $2K | 5.57% |
| REDFIELD ASSOCIATES LTD3 | 1755 PARK ST. STE 200 NAPERVILLE, IL 60563 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $893 | — | $893 | 2.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 E. CARMEL DRIVE STE. 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21K | $1K | $22K | 57.03% |
| REDFIELD ASSOCIATES LTD3 | 1755 PARK ST. STE 200 NAPERVILLE, IL 60563 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 7.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 650 EAST CARMEL DRIVE SUITE 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $4K | 11.27% |
| 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 | 650 E. CARMEL DRIVE STE. 400 CAMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $370 | — | $370 | 3.00% |
| REDFIELD ASSOCIATES LTD3 | 1755 PARK ST. STE 200 NAPERVILLE, IL 60563 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $247 | — | $247 | 2.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 E. CARMEL DRIVE STE. 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $240 | $184 | $424 | 5.31% |
| REDFIELD ASSOCIATES LTD3 | 1755 PARK ST. STE 200 NAPERVILLE, IL 60563 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $160 | — | $160 | 2.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 E. CARMEL DRIVE STE. 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 57.04% |
| REDFIELD ASSOCIATES LTD3 | 1755 PARK ST. STE 200 NAPERVILLE, IL 60563 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 E. CARMEL DRIVE STE. 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 114.10% |
| REDFIELD ASSOCIATES LTD3 | 1755 PARK ST. STE 200 NAPERVILLE, IL 60563 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 47.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE ROAD SUITE 600 SCOTTSDALE, AZ 85254 | HARTFORD LIFE AND ACCIDENT | $480 | — | $480 | 14.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 E. CARMEL DRIVE STE. 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $49 | — | $49 | 2.98% |
| REDFIELD ASSOCIATES LTD3 | 1755 PARK ST. STE 200 NAPERVILLE, IL 60563 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $33 | — | $33 | 2.01% |
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 | 1,463 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,289 | $432K |
| Life insurance(5 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,497 | $254K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 275 | $97K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,497 | $325K |
| Other(8 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,497 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,289 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.