| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $120K | $120K | 5.81% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $23K | $23K | 1.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 S. WACKER DRIVE SUITE 2000 CHICAGO, IL 60606 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $14K | $14K | 0.66% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $0 | $5K | $5K | 0.58% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $10K | $10K | 1.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 S. WACKER DRIVE SUITE 2000 CHICAGO, IL 60606 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $6K | $6K | 0.66% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $15K | — | $15K | 9.15% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | — | $61 | $61 | 0.04% |
| RUTH LARKIN3 | 2000 WADSWORTH BLVD, #202 LAKEWOOD, CO 80214 | GENWORTH LIFE INSURANCE COMPANY | $9K | — | $9K | 6.94% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | GENWORTH LIFE INSURANCE COMPANY | $6K | — | $6K | 4.96% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | OPTUM HEALTH AND TECHNOLOGY - US | $6K | — | $6K | 10.00% |
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 | 2,684 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,718 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 2,172 | $13.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 9 | $215K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,908 | $2.1M |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,908 | $887K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 2,172 | $13.7M |
| Other(7 contracts, 7 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 7,166 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,166 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.