| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON ST STE 1700 BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | — | $457K | $457K | 2.42% |
| PACIFIC RESRC BNFT ADVSRS LLC3 Filed as: PACIFIC RESRC BNFT ADVSRS | 75 STATE ST STE 1710 BOSTON, MA 02109 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $237K | $237K | 2.32% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON ST STE 1700 BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | — | $56K | $56K | 2.49% |
| WILLIS TOWERS WATSON US LLC3 | 8995 LAKE DR WEST DES MOINES, IA 50266 | BLUE CROSS OF CALIFORNIA (G0200) | $48K | — | $48K | 5.92% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $2 | $2 | 0.22% |
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 | 30,699 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 840 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,324 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 32,863 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 12,575 | $28.1M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 69 | $462K |
| Vision | VISION SERVICE PLAN | 29,789 | $2.7M |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 31,227 | $18.9M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 30,512 | $10.2M |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 46,082 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 46,082 | — |
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.