| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | 335 MADISON AVE FL 20 NEW YORK, NY 100174633 | RELIASTAR LIFE INSURANCE COMPANY | — | $199K | $199K | 3.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | P O BOX 741909 LOCKBOX 741909 ATLANTA, GA 303741909 | RELIASTAR LIFE INSURANCE COMPANY | $10K | — | $10K | 0.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE | P O BOX 741909 LOCKBOX 941909 ATLANTA, GA 303741909 | RELIASTAR LIFE INSURANCE COMPANY | $5K | — | $5K | 0.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | — | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 0.31% |
| FST ASSOCIATION INC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | — | KAISER FOUNDATION HEALTH PLANS INC | — | $9K | $9K | 1.98% |
| VISION SERVICE PLAN3 | 3333 QUALITY DRIVE RANCHO CORDOVA, CA 95670 | VISION SERVICE PLAN | — | $49K | $49K | 10.65% |
| VISION SERVICE PLAN3 | 3333 QUALITY DRIVE RANCHO CORDOVA, CA 95670 | VISION SERVICE PLAN | — | $34K | $34K | 16.50% |
| THE BOON INSURANCE AGENCY3 Filed as: THE BOON INSURANCE AGENCY INC | 6300 BRIDGEPOINT PARKWAY BUILDING 3 # 500 AUSTIN, TX 78730 | AETNA LIFE INSURANCE COMPANY | $1K | — | $1K | 8.80% |
| THE BOON INSURANCE AGENCY3 Filed as: THE BOON INSURANCE AGENCY INC | 6300 BRIDGEPOINT PARKWAY BUILDING 3 #500 AUSTIN, TX 78730 | AETNA LIFE INSURANCE COMPANY | $49 | — | $49 | 8.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $3.0M |
| BOON ADMINISTRATIVE SERVICES INC EIN 33-0449333 CONTRACT ADMINISTRATOR | Float revenue Service code 62 | — | $627K |
| METROPOLITAN LIFE INS COMPANY EIN 13-5581829 PLAN ADMINISTRATOR | Consulting (general); Contract Administrator; Claims processing Service code 12 | — | $267K |
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 | 6,106 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | UNITED HEALTHCARE | 1,946 | $1.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,396 | $2.2M |
| Vision(2 contracts) | VISION SERVICE PLAN | 2,973 | $666K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 16,294 | $5.5M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,628 | $460K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,628 | $460K |
| Other(2 contracts, 2 carriers) | COMPSYCH CORPORATION | 7,197 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,294 | — |
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."
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.