| 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 | — | $22K | $22K | 0.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 206 EXCHANGE PLACE HUNTSVILLE, AL 358062300 | TOKIO MARINE HCC | — | $33K | $33K | 2.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC DBA J S | 300 WEST 10TH STREET WEST POINT, GA 31833 | TOKIO MARINE HCC | $30K | — | $30K | 2.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & COMPANY | 206 EXCHANGE PLACE HUNTVILLE, AL 358062300 | TOKIO MARINE HCC | $7K | — | $7K | 0.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & COMPANY | 300 WEST 10TH STREET WEST POINT, GA 31833 | TOKIO MARINE HCC | $3K | — | $3K | 0.29% |
| 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 | — | $9K | $9K | 1.07% |
| 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 | — | $4K | $4K | 0.85% |
| 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 | — | $114 | $114 | 0.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE IN | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $48 | $48 | 0.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE IN | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YOR, NY 10087 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $67 | $67 | 1.14% |
| 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 | — | $4K | $4K | 174.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 EAP ADMIN CONTRACTOR | Contract Administrator; Direct payment from the plan; Claims processing; Participant communication Service code 12 | 11095 VIKING DR STE 350 EDEN PRAIRIE, MN 55344 | $74K |
| ADP EIN 22-3339704 FSA CONTRACT ADMINISTRATO | Claims processing Service code 12 | 2575 WESTSIDE PKWY STE 500 ALPHARETTA, GA 300046410 | $70K |
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 | 6,592 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 224 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 98 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,914 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(13 contracts, 8 carriers) | KAISWER FOUNDATION HEALTH PLAN INC | 6,914 | $22.4M |
| Dental | DELTA DENTAL OF CALIFORNIA | 6,066 | $0 |
| Vision | VISION SERVICE PLAN | 5,005 | $606K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,782 | $2.5M |
| Short-term disability(3 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 2,150 | $14K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,437 | $860K |
| Prescription drug | CVS PHARMACY, INC | 4,132 | $0 |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 4,109 | $1.1M |
| Other(8 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,914 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,914 | — |
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.
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.