| 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 | — | $207K | $207K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Non-monetary compensation; Float revenue; Claims processing; Other services; Contract Administrator; Direct payment from the plan; Participant communication; Named fiduciary Service code 12 | — | $5.4M |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Claims processing; Other services; Direct payment from the plan; Contract Administrator Service code 12 | — | $839K |
| WILLIS TOWERS WATSON EIN 53-0181291 NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Foreign entity (e.g., an agent or broker, bank, insurance company, etc. not operating within jurisdictional boundaries of the United States); Insurance agents and brokers Service code 15 | — | $666K |
| LIBERTY MUTUAL INSURANCE NONE | Claims processing; Contract Administrator; Insurance services Service code 12 | 175 BERKELEY STREET BOSTON, MA 02116 | $598K |
| CASTLIGHT EIN 26-1989091 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 15 | — | $489K |
| JIFF, INC. EIN 32-0327707 NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $120K |
| DOCTOR ON DEMAND INC EIN 46-1326978 NONE | Account maintenance fees Service code 65 | — | $18K |
| REGIONS BANK EIN 63-0371391 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 | 12,111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 156 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 302 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,569 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 12,324 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,324 | — |
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.