| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S WACKER DR STE 1800 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $22K | $22K | 1.13% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 0.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S WACKER DR STE 1800 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $17K | $17K | 1.12% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 0.37% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 0.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S WACKER DR STE 1800 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 0.52% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $94K | — | $94K | 9.16% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $122K | — | $122K | 15.54% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT HOLDING COMPANY LLC | DBA ALIGHT SOLUTIONS LLC 4 OVERLOOK PT LINCOLNSHIRE, IL 600694337 | RELIASTAR LIFE INSURANCE COMPANY | — | $29K | $29K | 3.70% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METLIFE LEGAL PLANS | $18K | $2K | $20K | 10.35% |
| BENEFITFOCUS.COM, INC.3 | DEPT. 3383 PO BOX 123383 DALLAS, TX 75312 | METLIFE LEGAL PLANS | — | $655 | $655 | 0.34% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH, PA | $4K | — | $4K | 25.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| US BANK NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | 633 W. 5TH STREET, 24TH FLOOR LOS ANGELES, CA 90071 | $8K |
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 | 20,875 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 52 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 687 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,614 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN INC.- CA SOUTH | 1,035 | $14.5M |
| Dental | DELTA DENTAL OF CALIFORNIA | 2,556 | $502K |
| Vision | VISION SERVICE PLAN | 8,277 | $1.0M |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 20,285 | $2.3M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,886 | $1.5M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,191 | $1.9M |
| Prescription drug(9 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN INC.- CA SOUTH | 1,035 | $14.5M |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 31,805 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 31,805 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.