| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 P.O. BOX 28852 NEW YORK, NY 10087 | FIRST UNUM LIFE INSURANCE COMPANY | — | $61K | $61K | 1.47% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 P.O. BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $109K | $109K | 3.11% |
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 | 8,975 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 8,975 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLANS INC | 10 | $121K |
| Dental | AETNA GLOBAL BENEFITS | 1 | $35K |
| Vision | AETNA LIFE INSURANCE COMPANY | 6,171 | $928K |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 7,033 | $3.5M |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 8,940 | $4.2M |
| Prescription drug | KAISER FOUNDATION HEALTH PLANS INC | 10 | $86K |
| Other(2 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 7,033 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,940 | — |
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."
No prospect flags tripped on this filing.