| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 35371 NETWORK PLACE CHICAGO, IL 60673 | COMMUNITY INSURANCE COMPANY | $11K | — | $11K | 2.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS | 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | DELTA DENTAL OF OHIO | $3K | — | $3K | 1.28% |
| LOCKTON COMPANIES, LLC3 | PO BOX 505115 SAINT LOUIS, MO 63150 | VISION SERVICE PLAN | $965 | — | $965 | 3.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 35371 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $288 | — | $288 | 1.07% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $277 | — | $277 | 14.98% |
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 | 242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 242 | $530K |
| Dental | DELTA DENTAL OF OHIO | 535 | $213K |
| Vision | VISION SERVICE PLAN | 182 | $27K |
| Other | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 242 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 535 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.