| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC. | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $44K | $44K | 1.91% |
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST RIDGE INSURANCE AGENCY INC. | 110 S DEPOT ST PILOT MOUNTAIN, NC 27041 | HARVARD PILGRIM HEALTH CARE | $14K | — | $14K | 1.61% |
| REGIONS INSURANCE INC3 | 12725 MORRIS RD. EXT BUILDING 100, STE 200 ALPHARETTA, GA 30004 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $23K | — | $23K | 4.90% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $25K | $6K | $31K | 8.71% |
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST RIDGE INSURANCE AGENCY INC | 110 S DEPOT ST PILOT MOUNTAIN, NC 27041 | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 1.61% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC. | PO BOX 28852 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 | 3,488 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,511 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 8 carriers) | HIGHMARK BLUE CROSS BLUE SHIELD | 2,245 | $13.0M |
| Dental | HAWAI'I MEDICAL SERVICE ASSOCIATION | 10 | $83K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 3,143 | $483K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,830 | $2.3M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,830 | $2.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,830 | $2.3M |
| Prescription drug | HIGHMARK BLUE CROSS BLUE SHIELD | 2,245 | $8.0M |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,830 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,830 | — |
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.