| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SERV INC | 333 BUSH STREET FLOOR 4 STE 400 SAN FRANCISCO, CA 94104 | WESTERN HEALTH ADVANTAGE | $106K | — | $106K | 1.04% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD SUITE 300 RANCHO CORDOVA, CA 95670 | WESTERN HEALTH ADVANTAGE | $23K | — | $23K | 0.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWER WATSON INSURANCE SERV | WEST 801 S FIGUEROA STREET LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 1.89% |
| SHELBY INSURANCE SERVICES3 | 22508 N DEL MONTE CT SUN CITY, AZ 85375 | HOLMAN PROFESSIONAL COUNSELING CENTERS | $433 | — | $433 | 3.75% |
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 | 1,057 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,060 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WESTERN HEALTH ADVANTAGE | 1,434 | $10.1M |
| Dental | DELTA DENTAL OF CALIFORNIA | 1,599 | $643K |
| Vision | VISION SERVICE PLAN | 822 | $77K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,235 | $142K |
| Prescription drug | WESTERN HEALTH ADVANTAGE | 1,434 | $10.1M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,235 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,599 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.