| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | — | $355K | $355K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $63K | $63K | 1.61% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $10K | $10K | 0.85% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 0.86% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | — | $278 | $278 | 0.07% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 2.94% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $13K | $1K | $15K | 12.13% |
No Schedule C service providers reported on this filing.
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 | 8,224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 338 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 320 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,882 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 7,515 | $35.2M |
| Vision | VISION SERVICE PLAN | 6,450 | $925K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 11,565 | $3.9M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,512 | $684K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,459 | $1.2M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 5,387 | $5.9M |
| Other(7 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 11,565 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,565 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.