| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC. | $24K | — | $24K | 0.99% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $108K | — | $108K | 4.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $29K | $29K | 1.22% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $20K | $20K | 0.85% |
| PACIFIC RESRC BNFT ADVSRS LLC3 Filed as: PACIFIC RESRC BNFT ADVERS | 321 N CLARK ST STE 940 CHICAGO, IL 60654 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $6K | $6K | 0.25% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $87K | $22K | $109K | 6.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 0.33% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | — | $29 | $29 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | 335 MADISON AVE FI 20 NEW YORK, NY 10017 | RELIASTAR LIFE INSURANCE COMPANY | — | $69K | $69K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 | 335 MADISON AVE FI 20 NEW YORK, NY 10017 | RELIASTAR LIFE INSURANCE COMPANY | — | $65K | $65K | 6.00% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $17K | — | $17K | 2.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $9K | $44K | 6.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.36% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | — | $29 | $29 | 0.00% |
| WILLIS TOWERS WATSON US LLC | 600 UNIVERSITY ST SUITE 3100 SEATTLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $7K | — | $7K | 0.99% |
| WILLIS TOWERS WATSON US LLC3 | 335 MADISON AVE FI 20 NEW YORK, NY 10017 | RELIASTAR LIFE INSURANCE COMPANY | — | $40K | $40K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $235K | $20K | $255K | 38.73% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $198K | $19K | $217K | 34.43% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $7K | — | $7K | 1.21% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $7K | $33K | 6.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.24% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | — | $29 | $29 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $163K | $16K | $178K | 34.33% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $5K | $23K | 6.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 PO BOX 28852 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.36% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | — | $29 | $29 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | 800 MARKET STREET SUITE 1800 ST LOUIS, MO 63101 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $6K | — | $6K | 25.00% |
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 | 15,629 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 404 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2,129 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 654 | $3.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 12 | $673K |
| Vision(2 contracts, 2 carriers) | EYEMED | 11,058 | $1.4M |
| Life insurance(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 12,146 | $3.4M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 15,213 | $2.4M |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 654 | $3.7M |
| Stop-loss / reinsurancereinsurance(3 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 5,362 | $2.9M |
| Other(10 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 18,080 | $6.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,080 | — |
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."
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.