| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS TOWERS WATSON US L | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $37K | $37K | 1.11% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $24K | $24K | 1.35% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 COMMISSION LOCKBOX #28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | — | $20K | $20K | 1.92% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $67K | $11K | $78K | 11.71% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS TOWERS WATSON US L | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $8K | $8K | 1.33% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE COMPANY | $0 | $480 | $480 | 0.61% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $431 | $431 | 0.71% |
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 | 9,680 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 971 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 816 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 2,150 | $15.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 2 | $58K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 9,924 | $3.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,203 | $3.3M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 10,498 | $1.7M |
| Prescription drug(3 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 2,150 | $15.2M |
| Other(6 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 11,906 | $6.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,906 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.