| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | 1500 MARKET ST FL 20 PHILADELPHIA, PA 19102 | STANDARD INSURANCE COMPANY | $0 | $245K | $245K | 1.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | 1500 MARKET ST FL 20 PHILADELPHIA, TX 19102 | STANDARD INSURANCE COMPANY | $0 | $60K | $60K | 1.50% |
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 | 37,518 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 140 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2,038 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 39,696 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLANS INC. | 169 | $3.1M |
| Dental(6 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 62 | $1.9M |
| Vision | VISION SERVICE PLAN | 25,198 | $4.5M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 26,911 | $16.4M |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 14,535 | $4.1M |
| Other(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 15,980 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,911 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.