| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | SUN LIFE ASSURANCE COMPANY OF CANADA | $207K | — | $207K | 6.00% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC | $73K | — | $73K | 3.13% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | COMMISSIONS LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $115K | — | $115K | 5.21% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC | $31K | — | $31K | 2.93% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 LOCKBOX 741909 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $84K | $21K | $104K | 12.46% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WASTON DELAWARE INC. | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $11K | — | $11K | 2.91% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $33K | — | $33K | 10.00% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WASTON DELAWARE INC. | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | UNITED HEALTHCARE INSURANCE COMPANY | $30K | — | $30K | 10.08% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $7K | — | $7K | 2.95% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | AETNA LIFE INSURANCE CO. | $18K | — | $18K | 10.20% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $10K | — | $10K | 9.93% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $6K | — | $6K | 9.97% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $2K | — | $2K | 3.03% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC. | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $1K | — | $1K | 2.79% |
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 | 21,328 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 383 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 544 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 22,255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 2,261 | $4.4M |
| Vision(5 contracts, 4 carriers) | VISION SERVICE PLAN | 2,261 | $961K |
| Life insurance(3 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 21,591 | $2.8M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 21,591 | $2.2M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 21,591 | $2.2M |
| Prescription drug(6 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 472 | $4.1M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,417 | $3.5M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 21,591 | $915K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,591 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.