| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN INC. | $112K | — | $112K | 2.66% |
| MERCER HEALTH AND BENEFITS, LLC5 Filed as: MERCER VOLUNTARY BENEFITS | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | — | $38K | 2.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH | PO BOX 27447 NEW YORK, NY 100877447 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $25K | $25K | 1.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $16K | $16K | 0.91% |
| PETER J WORTH3 Filed as: PETER WORTH | 99 PARK AVE. STE 2500 NEW YORK, NY 100161601 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 0.26% |
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON DELAWARE, INC | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN INC | $19K | — | $19K | 2.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 100878852 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 2.00% |
| DICESARE AND ASSOCIATES3 Filed as: FJ DICESARE AGENCY LLC | P.O. BOX 10818 ROCHESTER, NY 14601 | EXCELLUS BLUECROSS BLUESHIELD | $2K | — | $2K | 0.95% |
| DICESARE AND ASSOCIATES Filed as: FJ DICESARE AGENCY LLC | PO BOX 10818 ROCHESTER, NY 14610 | EXCELLUS BLUE CROSS BLUE SHIELD | $1K | — | $1K | 0.55% |
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON DELAWARE, INC. | PO BOX 28852 NEW YORK, NY 10087 | VISON SERVICE PLAN | $12K | — | $12K | 10.00% |
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $8K | — | $8K | 11.59% |
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON DELAWARE, INC. | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 9.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | PO BOX 28852 LOCK BOX 28852 NEW YORK, NY 100878852 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 9.19% |
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $3K | — | $3K | 11.65% |
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON DELAWARE INC. - GEORG | P.O. BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $60 | — | $60 | 3.02% |
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 | 2,903 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,104 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 208 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | KEYSTONE HEALTH PLAN CENTRAL | 3,421 | $2.1M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 329 | $231K |
| Vision(6 contracts, 5 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 1,219 | $951K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 5,227 | $3.7M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,227 | $1.8M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,227 | $1.8M |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 90 | $645K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 5,227 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,227 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.