| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $20K | $20K | 2.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 2.79% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $60K | $4K | $63K | 22.42% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METLIFE LEGAL PLANS | $24K | — | $24K | 9.91% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | $42K | — | $42K | 20.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $3K | $42K | 21.73% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES | PO BOX 2569 BELLAIRE, TX 774022569 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 3.06% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $2K | $28K | 21.47% |
| RUTH LARKIN3 | 2000 WADSWORTH BLVD, STE K. BOX 202 LAKEWOOD, CO 80214 | GENWORTH LIFE INSURANCE COMPANY | $9K | — | $9K | 6.98% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | GENWORTH LIFE INSURANCE COMPANY | $6K | — | $6K | 4.99% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | TRUSTMARK INSURANCE COMPANY | $25K | — | $25K | 29.37% |
| RUTH LARKIN3 | 2049 WADSWORTH BLVD SUITE K - BOX 202 LAKEWOOD, CA 80214 | TRUSTMARK INSURANCE COMPANY | $20K | — | $20K | 22.66% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 14546 BROOK HOLLOW BLVD #281 SAN ANTONIO, TX 78232 | TRUSTMARK INSURANCE COMPANY | $14K | — | $14K | 15.94% |
| J MANNING AND ASSOCIATES3 Filed as: J MANNING & ASSOCIATES | 167 N GREEN ST FLOOR 4 CHICAGO, IL 60607 | TRUSTMARK INSURANCE COMPANY | $14K | — | $14K | 15.93% |
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 | 4,289 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 2,459 | $22.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 17 | $414K |
| Life insurance(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 4,762 | $3.2M |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 4,762 | $2.2M |
| Long-term disability(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 4,762 | $2.5M |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 2,459 | $21.7M |
| Other(10 contracts, 8 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 4,762 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,762 | — |
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.