| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 S WACKER DR, STE 2000 CHICAGO, IL 60606 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $27K | $26K | $53K | 5.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC. | 233 S WACKER DR, STE 2000 CHICAGO, IL 60606 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $49K | $14K | $63K | 11.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF CA | 3697 MT DIABLO LVD, STE 100 LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN INC. | $25K | — | $25K | 4.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS OF CA | PO BOX 61010 SANTA BARBARA, CA 93160 | BLUE CROSS OF CALIFORNIA | $15K | — | $15K | 3.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF CA | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN INC | $10K | — | $10K | 4.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC. | 233 S WACKER DR. CHICAGO, IL 60606 | EYEMED | $14K | — | $14K | 8.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | WILLIS TOWER 233 S WACKER DR, STE 2000 CHICAGO, IL 60606 | GERBER LIFE & ACCIDENT INSURANCE COMPANY | $682 | — | $682 | 15.00% |
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 | 2,031 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 484 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 74 | $1.1M |
| Vision | EYEMED | 3,075 | $169K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,510 | $992K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,027 | $536K |
| Other | GERBER LIFE & ACCIDENT INSURANCE COMPANY | 2,031 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,075 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.