| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | VCS WEST INC PO BOX 101162 PASEDENA, CA 911890001 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $285K | — | $285K | 2.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | SOUTHEAST INC 29727 NETWORK PLACE CHICAGO, IL 606731297 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $273K | — | $273K | 2.00% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 0.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON LLC | PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $2.2M | $141K | $2.3M | 22.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 12505 PARK POTOMAC AVE SUITE 300 POTOMAC, MD 208546805 | KAISER FOUNDATION HEALTH PLAN INC | $146K | — | $146K | 2.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | 214 N TYRON ST, SUITE 2500 HEARST TOWER CHARLOTTE, NC 282022381 | AMERITAS LIFE INSURANCE CORP. | — | $23K | $23K | 0.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON LLC | PO BOX 28852 COMMISSION LOCKBOX 2885 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $146K | $30K | $176K | 11.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | METLIFE LEGAL PLANS | — | $38 | $38 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 12505 PARK POTOMAC AVE SUITE 300 POTOMAC, MD 208546805 | KAISER FOUNDATION HEALTH PLAN INC | $33K | — | $33K | 3.26% |
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 | 54,275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 281 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 914 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 55,470 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,012 | $8.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 9,812 | $1.4M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 78,823 | $5.9M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 102,535 | $13.7M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 94,511 | $10.2M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $10.1M |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 94,511 | $13.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102,535 | — |
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.