| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA HEALTH, INC. | $120K | — | $120K | 0.28% |
| WILLIE J ALEXANDER3 | P O BOX 926215 HOUSTON, TX 772926215 | AETNA HEALTH, INC. | $11K | — | $11K | 0.02% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $193K | $120K | $313K | 2.98% |
| WILLIE ALEXANDER3 | P O BOX 926215 HOUSTON, TX 77292 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $41K | $59K | 0.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US LLS | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $109K | $109K | 1.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 16 DALLAS, TX 752314388 | KAISER FOUNDATION HEATLH PLAN, INC. | $39K | — | $39K | 0.74% |
| WILLIE ALEXANDER0 | PO BOX 926215 HOUSTON, TX 772926215 | KAISER FOUNDATION HEATLH PLAN, INC. | $4K | — | $4K | 0.07% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $64K | $64K | 1.36% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM AND SON LP | PO BOX 301598 DALLAS, TX 75303 | JOHN HANCOCK LIFE INSURANCE COMPANY | $57K | — | $57K | 1.44% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34K | $34K | 1.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 16 DALLAS, TX 752314388 | KAISER FOUNDATION HEALTH PLAN, INC. | $22K | — | $22K | 0.77% |
| WILLIE ALEXANDER3 | P O BOX 926215 HOUSTON, TX 77292 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | — | $2K | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH WORTHM | P O BOX 301598 DALLAS, TX 75303 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $230K | — | $230K | 9.14% |
| WILLIS TOWERS WATSON US LLC0 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $19K | $19K | 1.03% |
| WILLIS TOWERS WATSON US LLC3 | PB BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $39 | $12K | 0.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | — | DELTA DENTAL | $50K | — | $50K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 CAUSEWAY BLVD STE 300 METAIRIE, LA 700023531 | AMERITAS LIFE INSURANCE COMPANY | $71K | — | $71K | 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 | 3.06% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | HYATT LEGAL PLAN, INC. | $78K | $9K | $87K | 11.15% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 1.04% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $39 | $39 | 0.02% |
| ROBERT LYNN COMPANY, INC.3 Filed as: THE ROBERT LYNN COMPANY | P O BOX 1966 BAKERSFIELD, CA 93303 | DELTA DENTAL OF CALIFORNIA | $756 | — | $756 | 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 | — | $6.1M |
| CVS CAREMARK EIN 05-0340626 NONE | Claims processing; Direct payment from the plan; Other services Service code 12 | — | $2.5M |
| CIGNA HEALTH AND LIFE INSURANCE GEM EIN 59-1031071 NONE | Claims processing; Other services; Direct payment from the plan Service code 12 | — | $1.3M |
| KELSEY-SEYBOLD CLINIC EIN 76-0602862 NONE | Claims processing; Other services Service code 12 | — | $873K |
| BEACON HEALTH OPTIONS EIN 54-1414194 NONE | Insurance services; Other services; Direct payment from the plan Service code 23 | — | $362K |
| MD ANDERSON PHYSICIANS NETWORK EIN 76-0449960 NONE | Other services; Claims processing Service code 12 | — | $175K |
| BAROLET EIN 82-4416954 NONE | Participant communication Service code 38 | — | $80K |
| PRINCIPAL TRUST COMPANY EIN 51-0099493 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $56K |
| AON EIN 22-2232264 NONE | Actuarial Service code 11 | — | $33K |
| WELLS FARGO BANK NA EIN 94-1347393 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $19K |
| TELEDOC EIN 20-1020949 NONE | Claims processing; Direct payment from the plan; Other services Service code 12 | — | $14K |
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 | 12,641 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21,736 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 34,377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 8 carriers) | KAISER FOUNDATION HEATLH PLAN, INC. | 918 | $16.3M |
| Dental(5 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 9,235 | $5.3M |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 21,661 | $10.4M |
| Life insurance(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 21,674 | $18.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,428 | $3.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,857 | $10.5M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 530 | $3.9M |
| Other(9 contracts, 6 carriers) | JOHN HANCOCK LIFE INSURANCE COMPANY | 15,916 | $14.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,674 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.