| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | 300 SOUTH GRAND AVE STE 2000 LOS ANGELES, CA 90071 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $55K | $55K | 1.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 206 EXCHANGE PLACE HUNTSVILLE, AL 358062300 | TOKIO MARINE HCC | $57K | $47K | $103K | 6.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US L | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $7K | $7K | 0.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US L | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 0.65% |
| WILLIS TOWERS WATSON US LLC3 | 300 SOUTH GRAND AVE STE 2000 LOS ANGELES, CA 90071 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $20K | $20K | 5.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US L | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $67 | $67 | 0.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US L | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $101 | $101 | 0.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US L | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $32 | $32 | 0.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WAGEWORKS EIN 22-3339704 FSA CONTRACT ADMINISTRATO | Claims processing Service code 12 | 2575 WESTSIDE PKWY STE 500 ALPHARETTA, GA 300046410 | $71K |
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 EAP ADMIN CONTRACTOR | Contract Administrator; Claims processing; Participant communication; Direct payment from the plan Service code 12 | 11095 VIKING DR STE 350 EDEN PRAIRIE, MN 55344 | $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 | 6,655 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 215 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 81 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,951 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(16 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 6,951 | $23.1M |
| Dental | DELTA DENTAL OF CALIFORNIA | 6,172 | $0 |
| Vision | VISION SERVICE PLAN | 5,113 | $636K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,951 | $3.1M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,120 | $502K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,339 | $988K |
| Prescription drug | CVS PHARMACY, INC | 4,157 | $0 |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 4,191 | $1.6M |
| Other(10 contracts, 6 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,951 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,951 | — |
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 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.