| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | 335 MADISON AVENUE FLOOR 20 NEW YORK, NY 10017 | RELIASTAR LIFE INSURANCE COMPANY | — | $208K | $208K | 4.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA INC | PO BOX 8500 LOCKBOX 9102 PHILADELPHIA, PA 191788500 | RELIASTAR LIFE INSURANCE COMPANY | — | $19K | $19K | 0.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Direct payment from the plan; Named fiduciary; Participant communication; Other services; Claims processing; Non-monetary compensation; Contract Administrator; Float revenue Service code 12 | — | $4.4M |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Claims processing; Other services; Contract Administrator; Direct payment from the plan Service code 12 | — | $653K |
| LIBERTY MUTUAL INSURANCE NONE | Claims processing; Insurance services; Contract Administrator Service code 12 | 175 BERKELEY STREET BOSTON, MA 02116 | $564K |
| TOWERS WATSON EIN 53-0181291 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Consulting (general) Service code 15 | — | $263K |
| CASTLIGHT EIN 26-1989091 NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $115K |
| JP MORGAN CHASE BANK, N.A. EIN 31-6243920 TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $15K |
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 | 10,197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 100 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 10,418 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,418 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.