| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 111 E. KILBOURN AVE. SUITE 1850 MILWAUKEE, WI 53020 | STANDARD INSURANCE COMPANY | $262K | $9K | $271K | 13.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 8400 NORMANDALE LAKE BLVD. SUITE 1700 BLOOMINGTON, MN 55437 | KAISER FOUNDATION HEALTH PLAN, INC. | $33K | — | $33K | 2.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 93076 NETWORK PL. CHICAGO, IL 60673 | RELIASTAR LIFE INSURANCE COMPANY | $374K | — | $374K | 51.54% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD. WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY | — | $29K | $29K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 8400 NORMANDALE LAKE BLVD. SUITE 1700 BLOOMINGTON, MN 55437 | KAISER FOUNDATION HEALTH PLAN, INC. | $32K | — | $32K | 4.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 111 E. KILBOURN AVE. SUITE 1850 MILWAUKEE, WI 53020 | STANDARD INSURANCE COMPANY | $66K | $3K | $68K | 10.43% |
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 | 5,995 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 70 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,065 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 103 | $2.5M |
| Vision | VISION SERVICE PLAN | 3,756 | $1.0M |
| Life insurance | STANDARD INSURANCE COMPANY | 5,995 | $2.0M |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,249 | $656K |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 70 | $598K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 5,995 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,995 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.