| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $64K | $64K | 2.96% |
| 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 | $20K | — | $20K | 1.55% |
| REGIONS INSURANCE INC3 | 12725 MORRIS RD. EXT BUILDING 100, STE 200 ALPHARETTA, GA 30004 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $25K | — | $25K | 5.45% |
| WILLIS TOWERS WATSON US LLC4 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $18K | $7K | $25K | 9.78% |
| 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 | 1.55% |
| WILLIS TOWERS WATSON US LLC4 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $957 | $218 | $1K | 18.41% |
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 | 3,362 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 8 carriers) | HIGHMARK BLUE CROSS BLUE SHIELD | 2,215 | $15.1M |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 14 | $97K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 3,577 | $539K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,245 | $2.2M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,245 | $2.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,245 | $2.2M |
| Prescription drug | HIGHMARK BLUE CROSS BLUE SHIELD | 2,215 | $9.8M |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO | 1,698 | $1.9M |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,298 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,577 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.