| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | PO BOX 28852 LOCKBOX 741909 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $88K | $237K | $325K | 7.15% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC | $72K | — | $72K | 2.94% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $120K | $35K | $155K | 6.96% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | UNITED HEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 1.95% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC | $36K | — | $36K | 2.93% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $10K | — | $10K | 2.75% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $37K | — | $37K | 10.02% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $6K | — | $6K | 3.01% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | AETNA LIFE INSURANCE CO. | $15K | — | $15K | 9.18% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $8K | — | $8K | 8.35% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $5K | — | $5K | 8.22% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $1K | — | $1K | 2.96% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $1K | — | $1K | 3.14% |
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 | 22,411 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 114 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 390 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 22,915 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 2,223 | $5.8M |
| Vision(4 contracts, 3 carriers) | VISION SERVICE PLAN | 2,061 | $704K |
| Life insurance(3 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 21,397 | $2.9M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 21,397 | $2.2M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 21,397 | $2.2M |
| Prescription drug(6 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 533 | $4.4M |
| Other(3 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 21,397 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,397 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.