| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX #28852 P.O. BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $202K | $202K | 2.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SECURIAN LIFE INSURANCE COMPANY NONE | Claims processing Service code 12 | 400 ROBERT STREET NORTH ST. PAUL, MN 55101 | $5.7M |
| ALIGHT SOLUTIONS NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 45 GLOVER AVENUE NORWALK, CT 06850 | $130K |
| LCG ASSOCIATES NONE | Consulting (general) Service code 16 | 400 GALLERIA PARKWAY SUITE 100 ATLANTA, GA 30339 | $128K |
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 | 8,736 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 8,736 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLANS INC. | 5 | $18K |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 8,736 | $8.9M |
| Prescription drug | KAISER FOUNDATION HEALTH PLANS INC. | 5 | $18K |
| Other | SECURIAN LIFE INSURANCE COMPANY | 8,736 | $8.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,736 | — |
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.