| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | LOCKBOX 100485 BANC ONE DEPT 100485 PASEDENA, CA 91189 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $346K | — | $346K | 2.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 29727 NETWORK PLACE CHICAGO, IL 60673 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $298K | — | $298K | 2.00% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 0.06% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON LLC | PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $2.0M | $121K | $2.1M | 26.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES | 5 CONCOURSE PARKWAY NE 18TH FLOOR ATLANTA, GA 30328 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $45K | $45K | 0.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES | PO BOX 905260 CHARLOTTE, NC 282905260 | KAISER FOUNDATION HEALTH PLAN INC | $115K | — | $115K | 2.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | 214 N TYRON ST, SUITE 2500 CHARLOTTE, NC 282022381 | AMERITAS LIFE INSURANCE CORP. | — | $20K | $20K | 0.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES | PO BOX 905260 CHARLOTTE, NC 282905260 | KAISER FOUNDATION HEALTH PLAN INC | $36K | — | $36K | 1.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON LLC | PO BOX 28852 COMMISSION LOCKBOX 2885 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $67K | $23K | $90K | 7.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES | 5 CONCOURSE PARKWAY NE 18TH FLOOR ATLANTA, GA 30328 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 1.03% |
| AON CONSULTING INC4 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $17K | $17K | 15.00% |
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 | 46,690 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 747 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 47,437 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 997 | $7.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 9,946 | $1.4M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 32,695 | $4.7M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 47,688 | $14.9M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 69,610 | $8.1M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $8.0M |
| Other(5 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 69,610 | $11.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 69,610 | — |
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.