| 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 | — | $333K | $333K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $59K | $59K | 1.51% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $13K | $13K | 1.26% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $8K | $8K | 1.27% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 1.62% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $10K | $1K | $11K | 11.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | 1 UPPER POND RD BLDG F PARSIPPANY, NJ 07054 | METLIFE LEGAL PLANS | — | $790 | $790 | 0.77% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN GENERAL INSURANCE COMPANY | $5K | $556 | $6K | 13.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WATSON WYATT & COMPANY | 901 N. GLEBE ROAD ARLINGTON, VA 22203 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $365 | $365 | 0.82% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $38 | $38 | — |
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 | 8,149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 278 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 273 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,700 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 7,515 | $22.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 22 | $181K |
| Vision | VISION SERVICE PLAN | 6,351 | $895K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 10,756 | $3.9M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,464 | $619K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,336 | $1.1M |
| Prescription drug(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,414 | $21.9M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 5,290 | $5.6M |
| Other(9 contracts, 6 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 10,756 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,756 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.