| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | 200 LIBERTY ST FI6 NEW YORK, NY 10281 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $112K | $15K | $127K | 9.62% |
| WRAITH, SCARLETT & RANDOLPH3 Filed as: WRAITH, SCARLETT & RANDOLPH INS SVC | 509 BUSH ST WOODLAND, CA 956953938 | KAISER FOUNDATION HEALTH PLAN INC | $625 | — | $625 | 0.14% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $50K | $5K | $55K | 17.54% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $3K | $26K | 16.26% |
| WRAITH, SCARLETT & RANDOLPH3 Filed as: WRAITH, SCARLETT & RANDOLPH INS. SV | 509 BUSH ST WOODLAND, CA 956953938 | KAISER FOUNDATION HEALTH PLAN INC. | -$625 | — | -$625 | -0.40% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $112 | — | $112 | 7.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AON CONSULTING, INC. EIN 22-2232264 NONE | Contract Administrator; Direct payment from the plan; Actuarial Service code 11 | — | $206K |
| UNITED MEDICAL RESOURCES, INC. EIN 36-2739571 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $157K |
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 | 5,123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,688 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 634 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,417 | $1.3M |
| Vision | VISION SERVICE PLAN | 3,135 | $746K |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 8,166 | $11.9M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 5,087 | $1.3M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 2 | $2K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,644 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,166 | — |
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.