| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852P NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC | $17K | — | $17K | 0.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON, PA | LOCKBOX #9102 P.O. BOX 8500 PHILADELPHIA, PA 191780001 | KAISER FOUNDATION HEALTH PLAN INC | $10K | — | $10K | 0.52% |
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON PENNSYLVANIA I | PO BOX 8500 PHILADELPHIA, PA 191789102 | UNITEDHEALTHCARE OF CALIFORNIA | $21 | — | $21 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER VOLUNTARY BENEFITS | 12421 MERIDITH DRIVE URBANDALE, IA 50398 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 9.69% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS COMPENSATION SYS. | 99 PARK AVE FL 25 NEW YORK, NY 100161601 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $21K | $21K | 8.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SEABURY & SMITH INC | PO BOX 10414 DES MOINES, IA 503060414 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $18 | $18 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852P NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 0.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON, PA | LOCKBOX #9102 P.O. BOX 8500 PHILADELPHIA, PA 191780001 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 0.54% |
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 | 9,243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6,052 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 15,295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HMSA | 789 | $3.2M |
| Dental(2 contracts, 2 carriers) | HAWAII DENTAL SERVICE | 584 | $219K |
| Vision | EYEMED VISION CARE | 394 | $3K |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 9,628 | $9.7M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 9,628 | $8.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 9,628 | $8.1M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 18,089 | $141K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 9,628 | $8.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,089 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.