| 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. | $82K | — | $82K | 0.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH &MCLENAN ACGENCY LLC | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA HEALTH, INC. | $41K | — | $41K | 0.10% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $53K | $53K | 0.39% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $199K | $29K | $228K | 2.31% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $44K | $44K | 0.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENAN AGENCY LLC | 8144 WALNUT HILL LN FL 16 DALLAS, TX 752314388 | KAISER FOUNDATION HEALTH PLAN INC | $33K | — | $33K | 0.58% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM & SONS LLC | P O BOX 301598 DALLAS, TX 75303 | JOHN HANCOCK LIFE INSURANCE COMPANY | $53K | — | $53K | 1.34% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $13K | $13K | 0.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH &MCLENNAN AGENCY LLC | 8144 WALNUT HILL LN FL 16 DALLAS, TX 752314388 | KAISER FOUNDATION HEALTH PLAN, INC. | $18K | — | $18K | 0.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH WORTHAM | P O BOX 301598 DALLAS, TX 75303 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $161K | — | $161K | 6.69% |
| MARSH & MCLENNAN AGENCY LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $101K | — | $101K | 4.19% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM & SON L.L.P. | P O BOX 301598 DALLAS, TX 75303 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3 | — | $3 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11K | $11K | 0.50% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 0.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | — | DELTA DENTAL | $53K | — | $53K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METERIE, 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 | — | $14K | $14K | 1.52% |
| ROBERT B KNEPPLER JR3 | PO BOX 1388 HOUSTON, TX 77251 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | — | $35K | $35K | 4.06% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $83K | $13K | $96K | 11.49% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.44% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34 | $34 | 0.02% |
| ROBERT LYNN COMPANY, INC.3 Filed as: THE ROBERT LYNN COMPANY | P O BOX 1966 BAKERSFIELD, CA 93303 | DELTA DENTAL OF CALIFORNIA | $667 | — | $667 | 7.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE CO EIN 41-1289245 NONE | Direct payment from the plan; Claims processing; Other services Service code 12 | — | $11.3M |
| CIGNA HEALTH AND LIFE INSURANCE GEM EIN 59-1031071 NONE | Other services; Claims processing; Direct payment from the plan Service code 12 | — | $1.4M |
| KELSEY-SEYBOLD CLINIC EIN 76-0602862 NONE | Other services; Claims processing Service code 12 | — | $834K |
| MCCONNELL & JONES LLP EIN 76-0488832 NONE | Accounting (including auditing) Service code 10 | — | $80K |
| PRINCIPAL TRUST COMPANY EIN 51-0099493 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $74K |
| BAROLET EIN 82-4416954 NONE | Participant communication Service code 38 | — | $32K |
| AON EIN 22-2232264 NONE | Actuarial Service code 11 | — | $14K |
| ERNEST AND YOUNG EIN 34-6565596 NONE | Accounting (including auditing) Service code 10 | — | $10K |
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 | 12,844 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21,144 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 33,988 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 8 carriers) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC | 18,833 | $53.1M |
| Dental(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 8,822 | $5.4M |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 22,159 | $10.1M |
| Life insurance(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 22,319 | $22.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,578 | $3.7M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,977 | $9.9M |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 3,920 | $13.2M |
| Other(8 contracts, 6 carriers) | JOHN HANCOCK LIFE INSURANCE COMPANY | 16,642 | $14.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,319 | — |
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 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.