| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | SYMETRA LIFE INSURANCE COMPANY | $381K | $220K | $600K | 15.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | 200 LIBERTY ST FI6 NEW YORK, NY 10281 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $46K | $46K | 1.29% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $264K | — | $264K | 12.93% |
| MARK STEVEN HEBERT3 | 500 N AKARD ST STE 4100 DALLAS, TX 75210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $236K | — | $236K | 11.57% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $23K | $3K | $26K | 11.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | P.O. BOX 416672 BOSTON, MA 02241 | METLIFE LEGAL PLANS | — | $1K | $1K | 0.53% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB, ROGAL, & HOBBS, LLC | 100 PARK AVENUE 14TH FLOOR NEW YORK, NY 10017 | METLIFE LEGAL PLANS | — | $565 | $565 | 0.24% |
| J MANNING AND ASSOCIATES3 | 200 N S GREEN ST. CHICAGO, IL 60607 | COMBINED INSURANCE | $10K | — | $10K | 5.75% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | COMBINED INSURANCE | $6K | — | $6K | 3.45% |
| LTCI PARTNERS LLC3 | 100 N. FIELD DRIVE SUITE 310 LAKE FOREST, IL 60045 | COMBINED INSURANCE | $4K | — | $4K | 2.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET 7TH FLOOR NEW YORK, NY 10281 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH | $5K | — | $5K | 25.00% |
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 | 6,795 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 114 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 519 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 536 | $9.4M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,595 | $399K |
| Vision | VISION SERVICE PLAN | 6,321 | $1.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 13,329 | $5.5M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,110 | $3.5M |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 536 | $9.4M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 6,609 | $3.8M |
| Other(6 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,329 | $8.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,329 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.