| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORP OF AZ | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, CA 85254 | AETNA LIFE INSURANCE CO. | $81K | $10K | $91K | 15.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 11201 N TATUM BLVD STE 300 PHOENIX, AZ 85028 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORP OF AZ | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | TEXAS HEALTH AND AETNA HEALTH | — | $840 | $840 | 0.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 11201 N TATUM BLVD STE 300 PHOENIX, AZ 85028 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 14.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | SERVICES WEST INC - SEATTLE 505 5TH AVE S., STE 200 SEATTLE, WA 98104 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $2K | — | $2K | 2.34% |
| FMS FINANCIAL PARTNERS, INC.3 | 6345 BALBOA BLVD., BLDG. IV SUITE 290 ENCINO, CA 91316 | HOLMAN FAMILY COUNSELING | $350 | — | $350 | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SERVICE | 16220 N SCOTTSDALE ROAD STE 600 SCOTTSDALE, AZ 85254 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $248 | — | $248 | 15.00% |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | AETNA HEALTH, INC. | 192 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 210 | $155K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 210 | $155K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 255 | $72K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 255 | $72K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 255 | $72K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 310 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.