| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 P.O. BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN INC. | $48K | — | $48K | 1.42% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $0 | $43K | $43K | 2.29% |
| WILLIS TOWERS WATSON US LLC3 | LOCK BOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $14K | $14K | 1.36% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 1.39% |
| WILLIS TOWERS WATSON US LLC3 | LOCK BOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.60% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 NEW YORK, NY 100878852 | AETNA LIFE INSURANCE COMPANY | $22K | $3K | $25K | 9.73% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $17K | — | $17K | 9.99% |
| WILLIS TOWERS WATSON US LLC3 | LOCK BOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.36% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $3K | $3K | 2.28% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | EYEMED | $13K | — | $13K | 10.77% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | EYEMED | $4K | — | $4K | 11.03% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 NEW YORK, NY 100878852 | UNITEDHEALTHCARE INSURANCE COMPANY | $667 | — | $667 | 2.12% |
| AMERICAN BENEFIT & COMPENSATION3 | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | AETNA INTERNATIONAL | $2K | — | $2K | 15.08% |
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 | 2,513 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,238 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 464 | 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, 4 carriers) | EXCELLUS BLUECROSS BLUESHIELD | 697 | $11.1M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 265 | $461K |
| Vision(5 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 1,408 | $613K |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 4,719 | $2.0M |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 263 | $153K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,361 | $1.0M |
| Prescription drug(4 contracts, 2 carriers) | EXCELLUS BLUECROSS BLUESHIELD | 697 | $10.8M |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 958 | $443K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,719 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.