| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $72K | $72K | 1.65% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $45K | $45K | 1.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $24K | $24K | 1.51% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $17K | $17K | 1.03% |
| MARK S HEBERT3 | 500 N AKARD ST SUITE 4100 DALLAS, TX 75201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $105K | — | $105K | 24.27% |
| J MANNING AND ASSOCIATES3 | 200 N S GREEN ST. CHICAGO, IL 60607 | COMBINED INSURANCE | $128K | $0 | $128K | 38.08% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | COMBINED INSURANCE | $77K | $0 | $77K | 22.85% |
| LTCI PARTNERS LLC3 | 100 N. FIELD DRIVE SUITE 310 LAKE FOREST, IL 60045 | COMBINED INSURANCE | $51K | $0 | $51K | 15.23% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | HYATT LEGAL PLANS | $16K | $3K | $18K | 11.76% |
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DR, STE 1500 CHICAGO, IL 60606 | MAGELLAN HEALTHCARE | $0 | $3K | $3K | 2.63% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSIONS LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET NEW YORK, NY 10281 | ACE AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 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 | 5,725 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 67 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 288 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,080 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 393 | $3.9M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 173 | $136K |
| Vision | VISION SERVICE PLAN | 4,935 | $794K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 5,701 | $4.4M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 5,556 | $1.6M |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 393 | $3.9M |
| Other(6 contracts, 6 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 6,054 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,054 | — |
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.