| 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 10087 | KAISER FOUNDATION HEALTH PLAN INC | $33K | — | $33K | 2.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COMMISION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | $75K | — | $75K | 9.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN INC | $17K | — | $17K | 2.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 NEW YORK, NY 100878852 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | — | $31K | 9.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWER WATSON DELAWARE INC. | PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $28K | — | $28K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 NEW YORK, NY 100878852 | COMBINED INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 9.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 NEW YORK, NY 100878852 | COMBINED INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 7.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TOWERS WATSON EIN 26-0676603 NONE | Participant communication; Direct payment from the plan Service code 38 | — | $5.4M |
| AETNA EIN 06-6033492 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $3.9M |
| HIGHMARK EIN 23-1294723 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $2.2M |
| UNITED HEALTHCARE EIN 47-0676824 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $1.7M |
| CIGNA NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | PO BOX 15964 WILMINGTON, DE 19580 | $952K |
| BLUE CROSS BLUE SHIELD EIN 23-2229683 NONE | Other fees; Contract Administrator; Direct payment from the plan Service code 13 | — | $781K |
| WAGEWORKS NONE | Direct payment from the plan; Other services Service code 49 | 1100 PARK PLACE 4TH FLOOR SAN MATEO, CA 94403 | $282K |
| QUEST DIAGNOSTICS EIN 16-1387862 NONE | Other services; Direct payment from the plan Service code 49 | — | $267K |
| CASTLIGHT EIN 26-1989091 NONE | Direct payment from the plan; Consulting (general); Participant communication; Other services Service code 16 | — | $255K |
| REDBRICK HEALTH NONE | Direct payment from the plan; Contract Administrator Service code 13 | 510 MARQUETTE AVENUE SUITE 500 MINNEAPOLIS, MN 55402 | $227K |
| DELTA DENTAL NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | PO BOX 1809 ALPHARETTA, GA 300231809 | $120K |
| METLIFE DENTAL NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | PO BOX 981987 EL PASO, TX 79998 | $33K |
| CROWE HORWATH EIN 35-0921680 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $30K |
| BELL LITHO EIN 36-2550923 NONE | Participant communication; Other services; Copying and duplicating; Direct payment from the plan Service code 36 | — | $27K |
| HANCHULAK LAW OFFICE NONE | Legal; Direct payment from the plan Service code 29 | 604 S STATE ST CLARKS SUMMIT, PA 18411 | $25K |
| JPMORGAN CHASE EIN 13-4994650 NONE | Float revenue; Trustee (bank, trust company, or similar financial institution); Distribution (12b-1) fees; Direct payment from the plan; Trustee (directed) Service code 21 | — | $22K |
| BRYAN CAVE, LLP EIN 43-0602162 NONE | Legal; Direct payment from the plan Service code 29 | — | $19K |
| EYE MED VISION CARE EIN 86-0773195 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $9K |
| PAYFLEX EIN 91-1774434 NONE | Direct payment from the plan; Other fees Service code 50 | — | $8K |
| AON HEWITT EIN 22-2232264 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $6K |
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 | 17,709 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 648 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | PHYSICIANS PLUS INSURANCE CORP | 940 | $9.3M |
| Vision(8 contracts, 5 carriers) | AETNA LIFE INSURANCE CO. | 4,271 | $1.9M |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 16,146 | $3.1M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 21 | $2K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 16,929 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,929 | — |
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.