| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 852541804 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $13K | $13K | 0.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC DBA TR | 2300 RENNAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | HCC LIFE INSURANCE COMPANY | — | $87K | $87K | 4.82% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY, LLC | 206 EXCHANGE PLACE HUNTSVILLE, AL 358062300 | HCC LIFE INSURANCE COMPANY | $58K | — | $58K | 3.22% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY, LLS DBA J. | 300 WEST 10TH ST WEST POINT, GA 31833 | HCC LIFE INSURANCE COMPANY | $5K | — | $5K | 0.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WASTON US L | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 0.51% |
| 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 | — | $2K | $2K | 0.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 852541804 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.55% |
| 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 | — | $239 | $239 | 0.46% |
| 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 | — | $81 | $81 | 0.50% |
| WILLIS TOWERS WATSON US LLC | 15303 VENTURA BLVD #700 SHERMAN OAKS, CA 91403 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $78K | — | $78K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS LIFE AND HEALTH I EIN 95-4331852 MEDICAL CONTRACT ADMINIST | Other services; Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | MAIL DROP OH3403 A266 3075 VANDERCAR WAY CINCINNATI, OH 45209 | $3.0M |
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 EAP ADMN CONTRACTOR | Contract Administrator; Participant communication; Claims processing; Direct payment from the plan Service code 12 | 11095 VIKING DR STE 350 EDEN PRAIRIE, MN 55344 | $73K |
| WAGEWORKS EIN 22-3339704 FSA CONTRACT ADMINISTRATO | Claims processing Service code 12 | 2575 WESTSIDE PKWY STE 500 ALPHARETTA, GA 300046410 | $68K |
| BLUE CROSS OF CALIFORNIA EIN 95-3760980 MEDICAL CONTRACT ADMINIST | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Float revenue; Contract Administrator Service code 12 | — | $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 | 7,013 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 197 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 43 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 7,253 | $22.6M |
| Dental | DELTA DENTAL OF CALIFORNIA | 6,278 | $0 |
| Vision | VISION SERVICE PLAN | 5,340 | $641K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,253 | $3.2M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,192 | $473K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,391 | $917K |
| Prescription drug | CVS PHARMACY, INC | 4,232 | $0 |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 4,232 | $1.8M |
| Other(7 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,253 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,253 | — |
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."
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.