| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $46K | $46K | 1.90% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: HUB INERNATIONAL NEW ENGLAND LLC | 5 BRYANT PARK 4TH FLOOR NEW YORK, NY 10018 | HARVARD PILGRIM HEALTH CARE | $15K | — | $15K | 1.43% |
| JEAN RUSSELL3 | 181 WELLS AVENUE NEWTON, MA 024593344 | HARVARD PILGRIM HEALTH CARE | $11K | — | $11K | 1.05% |
| REGIONS INSURANCE INC3 | 12725 MORRIS RD EXT STE 200 ALPHARETTA, GA 30004 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $15K | — | $15K | 4.92% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 7.00% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $1K | $143 | $1K | 17.00% |
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 | 3,490 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,509 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 8 carriers) | HIGHMARK BLUE CROSS BLUE SHIELD | 2,087 | $12.7M |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 22 | $121K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 3,257 | $536K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 5,049 | $2.4M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 5,049 | $2.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 5,049 | $2.4M |
| Prescription drug | HIGHMARK BLUE CROSS BLUE SHIELD | 2,087 | $8.3M |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 5,049 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,049 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.