| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $40K | $40K | 1.79% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $19K | $19K | 0.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $16K | $16K | 1.69% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $8K | $8K | 0.83% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | $36K | — | $36K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $16K | $31 | $16K | 9.96% |
| RUTH LARKIN3 | 2000 WADSWORTH BLVD, #202 LAKEWOOD, CO 80214 | GENWORTH LIFE INSURANCE COMPANY | $9K | — | $9K | 6.98% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | GENWORTH LIFE INSURANCE COMPANY | $7K | — | $7K | 4.99% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | OPTUM HEALTH AND TECHNOLOGY - US | $7K | — | $7K | 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 | 3,061 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 185 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 2,220 | $13.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 9 | $197K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,121 | $2.3M |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,121 | $952K |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 2,220 | $13.2M |
| Other(7 contracts, 7 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 10,217 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,217 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.