| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | 1000 W TEMPLE ST LOS ANGELES, CA 90012 | RELIASTAR INSURANCE COMPANY | $33K | — | $33K | 11.99% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS INC. | 120 GILLS CREEK PARKWAY COLUMBIA, SC 29209 | TRANSAMERICA LIFE INSURANCE COMPANY | $9K | — | $9K | 6.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 233 S WACKER DRIVE SUITE 2000 CHICAGO, IL 60606 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 3.44% |
| BEAU DAVID BOUDREAUX3 Filed as: BEAU D BOUDREAUX | 120 GILLS CREEK PARKWAY COLUMBIA, SC 29209 | TRANSAMERICA LIFE INSURANCE COMPANY | $517 | — | $517 | 0.38% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC. | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | CHUBB | $6K | — | $6K | 20.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 233 S. WACKER DRIVE CHICAGO, IL 60606 | CHUBB | $0 | — | $0 | 0.00% |
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 | 1,815 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,815 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,534 | $101K |
| Life insurance | RELIASTAR INSURANCE COMPANY | 1,407 | $276K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 247 | $135K |
| Long-term disability | RELIASTAR INSURANCE COMPANY | 1,407 | $276K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,815 | $509K |
| Other(3 contracts, 3 carriers) | RELIASTAR INSURANCE COMPANY | 1,407 | $441K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,815 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.