| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSIION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $116K | $13K | $129K | 5.55% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $55K | $55K | 2.37% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $33K | $33K | 1.41% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC. | $16K | — | $16K | 0.88% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $68K | — | $68K | 4.11% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $17K | $17K | 1.03% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $61 | $61 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | — | $68K | $68K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | — | $59K | $59K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | — | $30K | 4.18% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.05% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $61 | $61 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | — | $36K | $36K | 6.00% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $7K | — | $7K | 1.19% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | — | $24K | 4.31% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 1.08% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $61 | $61 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $303K | $16K | $319K | 59.52% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $382K | $16K | $398K | 74.52% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $8K | — | $8K | 1.82% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $274K | $13K | $287K | 64.52% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 4.18% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.05% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $61 | $61 | 0.02% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $3K | — | $3K | 0.95% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $2K | — | $2K | 1.83% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $822 | — | $822 | 1.82% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $752 | — | $752 | 1.83% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $614 | — | $614 | 1.82% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $607 | — | $607 | 1.83% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $464 | — | $464 | 1.81% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $396 | — | $396 | 1.82% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $196 | — | $196 | 1.79% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $1K | — | $1K | 25.00% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $32 | — | $32 | 1.79% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $10 | — | $10 | 1.17% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $11 | — | $11 | 1.72% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $6 | — | $6 | 1.70% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $5 | — | $5 | 1.62% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $6 | — | $6 | 1.98% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $2 | — | $2 | 1.35% |
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 | 14,169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 193 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 511 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,873 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 496 | $2.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 15 | $624K |
| Vision(17 contracts, 2 carriers) | VISION SERVICE PLAN | 5,399 | $1.4M |
| Life insurance(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 11,033 | $3.3M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 18,503 | $2.3M |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 496 | $2.8M |
| Stop-loss / reinsurancereinsurance(3 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 5,057 | $2.7M |
| Other(11 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 14,196 | $5.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,503 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.