| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA, INC | 2055 GATEWAY PL STE 450 SAN JOSE, CA 95110 | KAISER FOUNDATION HEALTH PLAN INC | $192K | — | $192K | 4.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | $28K | $3K | $31K | 2.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | $16K | $1K | $17K | 2.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | $12K | $1K | $14K | 2.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA | PO BOX 101162 PASADENA, CA 91189 | THE KONTERRA GROUP | $3K | — | $3K | 3.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA, INC. | 525 MARKET STREET SUITE 3400 SAN FRANCISCO, CA 94105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 303 PEACHTREE CENTER SUITE 240 ATLANTA, GA 30303 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $302 | — | $302 | 0.63% |
| 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, PA | $2K | — | $2K | 25.01% |
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 | 2,527 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 106 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 102 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,735 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 647 | $4.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2 | $48K |
| Life insurance | STANDARD INSURANCE COMPANY | 2,506 | $1.5M |
| Short-term disability | STANDARD INSURANCE COMPANY | 2,506 | $499K |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,506 | $579K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 647 | $4.2M |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 3,416 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,416 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.