| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 8400 NORMANDALE LAKE BLVD STE 1700 BLOOMINGTON, MN 55437 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | — | $4K | 1.36% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $26K | $4K | $30K | 11.50% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $7K | — | $7K | 9.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 8400 NORMANDALE LAKE BLVD STE 1700 BLOOMINGTON, MN 55437 | KAISER FOUNDATION HEALTH PLAN, INC. | $749 | — | $749 | 1.42% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $692 | $6K | 18.77% |
| EMPYREAN INSURANCE SERVICES, INC.5 Filed as: EMPYREAN BENEFIT SOLUTIONS INC | 3010 BRIARPARK DR # 8000 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $563 | $563 | 1.83% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $1K | $14K | 48.36% |
| EMPYREAN INSURANCE SERVICES, INC.5 Filed as: EMPYREAN BENEFIT SOLUTIONS INC | 3010 BRIARPARK DR # 8000 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 9.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 93245 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $126 | $2K | 16.01% |
| EMPYREAN INSURANCE SERVICES, INC.5 Filed as: EMPYREAN BENEFIT SOLUTIONS INC | 3010 BRIARPARK DR # 8000 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $314 | $314 | — |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | -$8K | -$1K | -$10K | — |
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 | 411 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 37 | $320K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 728 | $73K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 385 | $258K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 385 | $258K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 37 | $320K |
| Other(6 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 650 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 728 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.