| 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 100174633 | RELIASTAR LIFE INSURANCE COMPANY | — | $223K | $223K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Contract Administrator; Direct payment from the plan; Other services; Participant communication; Non-monetary compensation; Claims processing; Named fiduciary; Float revenue Service code 12 | — | $4.9M |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Claims processing; Contract Administrator; Direct payment from the plan; Other services Service code 12 | — | $675K |
| WILLIS TOWERS WATSON EIN 53-0181291 NONE | Insurance agents and brokers; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Foreign entity (e.g., an agent or broker, bank, insurance company, etc. not operating within jurisdictional boundaries of the United States); Other services Service code 15 | — | $625K |
| LIBERTY MUTUAL INSURANCE NONE | Contract Administrator; Claims processing; Insurance services Service code 12 | 175 BERKELEY STREET BOSTON, MA 02116 | $592K |
| CASTLIGHT EIN 26-1989091 NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $491K |
| JIFF, INC. EIN 32-0327707 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 15 | — | $139K |
| REGIONS BANK EIN 63-0371391 TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $9K |
| JP MORGAN CHASE BANK, N.A. EIN 31-6243920 TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $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 | 13,319 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 154 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 216 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,689 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 11,205 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,205 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.