| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE IN | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $15K | $15K | 0.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE IN | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 0.56% |
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 352442858 | BCS INSURANCE COMPANY | — | $107K | $107K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE IN | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 0.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE IN | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 0.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE IN | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $77 | $77 | 0.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ADP EIN 22-3339704 FSA ADMIN CONTRACTOR | Claims processing Service code 12 | 2575 WESTSIDE PKWY STE 500 ALPHARETTA, GA 300046410 | $74K |
| CIGNA BEHAVIORAL HEALTH INC. EIN 41-1648670 EAP ADMIN CONTRACTOR | Contract Administrator; Participant communication; Claims processing; Direct payment from the plan Service code 12 | 11095 VIKING DR STE 350 EDEN PRAIRIE, MN 55344 | $68K |
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 | 6,391 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 230 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 103 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,724 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(12 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 6,724 | $21.7M |
| Dental | DELTA DENTAL OF CALIFORNIA | 6,035 | $0 |
| Vision | VISION SERVICE PLAN | 4,960 | $618K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,720 | $2.7M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,150 | $457K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,437 | $1.1M |
| Prescription drug | CVS PHARMACY, INC. | 4,127 | $0 |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 4,132 | $1.1M |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,724 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,724 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.