| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 22852 NEW YORK, NY 10087 | AETNA HEALTH, INC. | $76K | — | $76K | 0.32% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $194K | $194K | 1.38% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $195K | $138K | $333K | 3.43% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $99K | $99K | 1.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENGY LLC | 8144 WALNUT HILL LN FL 16 DALLAS, TX 75231 | KAISER FOUNDATION HEALTH PLAN, INC. | $35K | — | $35K | 0.61% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM & SONS LLC | P O BOX 301598 DALLAS, TX 75303 | JOHN HANCOCK LIFE INSURANCE COMPANY | $60K | — | $60K | 1.50% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $61K | $61K | 1.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH &MCLENNAN AGENCY LLC | 8144 WALNUT HILL LN FL 16 DALLAS, TX 752314388 | KAISER FOUNDATION HEALTH PLAN, INC. | $21K | — | $21K | 0.65% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $36K | $36K | 1.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON ST CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $230K | — | $230K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 0.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | — | DELTA DENTAL | $55K | — | $55K | 4.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METERIE, LA 700023531 | AMERITAS LIFE INSURANCE COMPANY | $72K | — | $72K | 8.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 40E ALAMAR AVE SANTA BARBARA, CA 931053400 | AMERITAS LIFE INSURANCE COMPANY | — | $27K | $27K | 2.94% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $79K | — | $79K | 9.25% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $0 | $9K | $9K | 1.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | 1 UPPER POND RD BLDG F PARSIPPANY, NJ 07054 | METLIFE LEGAL PLANS | $0 | $5K | $5K | 0.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WATSON WYATT & COMPANY | 901 N GLEBE ROAD ARLINGTON, VA 22203 | METLIFE LEGAL PLANS | $0 | $2K | $2K | 0.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELEWARE INC | PO BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $0 | $63 | $63 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 1.33% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $64 | $64 | 0.05% |
| ROBERT LYNN COMPANY, INC.3 Filed as: THE ROBERT LYNN COMPANY | P O BOX 1966 BAKERSFIELD, CA 93303 | DELTA DENTAL OF CALIFORNIA | $670 | — | $670 | 7.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE CO EIN 41-1289245 NONE | Other services; Claims processing; Direct payment from the plan Service code 12 | — | $11.3M |
| CVS CAREMARK EIN 05-0340626 NONE | Other services; Claims processing; Direct payment from the plan Service code 12 | — | $1.6M |
| CIGNA HEALTH AND LIFE INSURANCE GEM EIN 59-1031071 NONE | Other services; Direct payment from the plan; Claims processing Service code 12 | — | $1.4M |
| KELSEY-SEYBOLD CLINIC EIN 76-0602862 NONE | Claims processing; Other services Service code 12 | — | $940K |
| LYRA EIN 47-2935915 NONE | Claims processing; Direct payment from the plan; Other services Service code 12 | — | $370K |
| PRINCIPAL CUSTODY SOLUTIONS EIN 51-0099493 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $62K |
| MCCONNELL & JONES, LLP EIN 76-0488832 NONE | Accounting (including auditing) Service code 10 | — | $62K |
| BAROLET EIN 82-4416954 NONE | Participant communication Service code 38 | — | $9K |
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 | 12,236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20,651 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 32,887 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 8 carriers) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC | 18,913 | $52.0M |
| Dental(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 8,271 | $5.6M |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 21,892 | $10.1M |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 21,351 | $21.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,324 | $3.6M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,694 | $9.7M |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 3,639 | $13.8M |
| Other(8 contracts, 6 carriers) | JOHN HANCOCK LIFE INSURANCE COMPANY | 16,099 | $14.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,892 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.