| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 18101 VON KARMAN AVE., 6TH FLOOR IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN INC. | $40K | — | $40K | 2.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 18101 VON KARMAN AVENUE, SUITE 600 IRVINE, CA 92612 | SELECT HEALTH | $9K | — | $9K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 18101 VON KARMAN AVE., 6TH FLOOR IRVINE, CA 92612 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $2K | $10K | 6.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 18101 VON KARMAN AVE., 6TH FLOOR IRVINE, CA 92612 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $387 | $3K | 11.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 18101 VON KARMAN AVE., 6TH FLOOR IRVINE, CA 92612 | CALIFORNIA DENTAL NETWORK, INC. | $2K | — | $2K | 10.00% |
| TBX EMPLOYEE BENEFITS LLC3 Filed as: TBX EMPLOYEE BENEFITS, LLC | 1201 ELM STREET, SUITE 4250 DALLAS, TX 75270 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 18.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 18101 VON KARMAN AVENUE, SUITE 600 IRVINE, CA 92612 | TRANSAMERICA LIFE INSURANCE COMPANY | $287 | — | $287 | 1.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 18101 VON KARMAN AVE., 6TH FLOOR IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $202 | $1K | 12.68% |
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 | 422 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 329 | $1.8M |
| Dental(4 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 374 | $207K |
| Vision(2 contracts, 2 carriers) | SELECT HEALTH | 374 | $442K |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 374 | $181K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 21 | $16K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 329 | $1.8M |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 69 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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.