| 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 | $4K | — | $4K | 0.19% |
| 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 | $19K | — | $19K | 2.67% |
| 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. | $58K | — | $58K | 9.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 NEW YORK, NY 100878852 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | — | $31K | 10.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 NEW YORK, NY 100878852 | COMBINED INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 10.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 NEW YORK, NY 100878852 | COMBINED INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 11.62% |
| BLUE CROSS BLUE SHIELD OF FLORIDA0 Filed as: HIGHMARK BCBS | 19 NORTH MAIN ST. WILKES BARRE, PA 18711 | FOUR EVER LIFE INS CO. | — | $4K | $4K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28852-PO BOX 28852 NEW YORK, NY 100878852 | COMBINED INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 12.11% |
| BLUE CROSS BLUE SHIELD OF FLORIDA0 Filed as: HIGHMARK BCBS | 19 NORTH MAIN ST. WILKES BARRE, PA 18711 | FOUR EVER LIFE INS. CO. | — | $3K | $3K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28852-PO BOX 28852 NEW YORK, NY 100878852 | COMBINED INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 12.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWER WATSON DELAWARE, INC. | LOCKBOX 28852-PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $109 | — | $109 | 0.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28852-PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $100 | — | $100 | 0.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC-GEORGIA | PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $583 | — | $583 | 3.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA0 Filed as: HIGHMARK BCBS | 19 NORTH MAIN ST. WILKES BARRE, PA 18711 | FOUR EVER LIFE INS. CO. | — | $571 | $571 | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $4.3M |
| TOWERS WATSON EIN 26-0676603 NONE | Direct payment from the plan; Participant communication Service code 38 | — | $3.8M |
| HIGHMARK EIN 23-1294723 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $3.5M |
| UNITED HEALTHCARE EIN 47-0676824 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $1.9M |
| CIGNA NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | PO BOX 15964 WILMINGTON, DE 19580 | $997K |
| BLUE CROSS BLUE SHIELD EIN 23-2229683 NONE | Other fees; Direct payment from the plan; Contract Administrator Service code 13 | — | $824K |
| CASTLIGHT EIN 26-1989091 NONE | Consulting (general); Direct payment from the plan; Participant communication; Other services Service code 16 | — | $728K |
| WAGEWORKS NONE | Other services; Direct payment from the plan Service code 49 | 1100 PARK PLACE 4TH FLOOR SAN MATEO, CA 94403 | $597K |
| REDBRICK HEALTH NONE | Direct payment from the plan; Contract Administrator Service code 13 | 510 MARQUETTE AVENUE SUITE 500 MINNEAPOLIS, MN 55402 | $298K |
| QUEST DIAGNOSTICS EIN 16-1387862 NONE | Other services; Direct payment from the plan Service code 49 | — | $261K |
| DELTA DENTAL NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | PO BOX 1809 ALPHARETTA, GA 300231809 | $157K |
| CROWE LLP EIN 35-0921680 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $83K |
| MORGAN LEWIS EIN 23-0891050 NONE | Legal; Direct payment from the plan Service code 29 | — | $58K |
| METLIFE DENTAL NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | PO BOX 981987 EL PASO, TX 79998 | $53K |
| UNITED CONCORDIA EIN 25-1687589 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $47K |
| PRUDENTIAL TRUST COMPANY EIN 58-0513395 NONE | Direct payment from the plan; Investment management Service code 28 | — | $45K |
| BELL LITHO EIN 36-2550923 NONE | Participant communication; Copying and duplicating; Direct payment from the plan; Other services Service code 36 | — | $26K |
| NORTHERN TRUST 18226 | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | 526 EAST WISCONSIN AVENUE MILWAUKEE, WI 53202 | $18K |
| BRYAN CAVE, LLP EIN 43-0602162 NONE | Legal; Direct payment from the plan Service code 29 | — | $17K |
| ALIGHT SOLUTION NONE | Consulting (general); Direct payment from the plan Service code 16 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | $13K |
| CAREMARK EIN 05-0340626 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $13K |
| PNC BANK, N.A. EIN 59-1031071 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $10K |
| SCHNEIDER DOWNS EIN 25-1408703 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $10K |
| EYE MED VISION CARE EIN 86-0773195 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $7K |
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 | 18,631 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 343 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,974 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(13 contracts, 9 carriers) | PHYSICIANS PLUS INSURANCE CORP | 597 | $7.2M |
| Dental | SIMNSA | 597 | $1.2M |
| Vision(7 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 6,843 | $1.7M |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 19,388 | $3.4M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 19,388 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,388 | — |
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."
No prospect flags tripped on this filing.