| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SRVS WEST | 300 S GRAND AVE STE 2000 LOS ANGELES, CA 90071 | BLUE CROSS OF CALIFORNIA | $406K | — | $406K | 2.35% |
| LUMITY, INC.3 Filed as: LUMITY INC | 71 E 3RD AVENUE SAN MATEO, CA 94401 | BLUE CROSS OF CALIFORNIA | -$299 | — | -$299 | -0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | 525 MARKET ST STE 3400 SAN FRANCISCO, CA 941052742 | KAISER FOUNDATION HEALTH PLAN INC | $90K | — | $90K | 2.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 4250 EXECUTIVE SQUARE SUITE 900 LA JOLLA, CA 92037 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $118K | $20K | $138K | 11.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | 525 MARKET ST STE 3400 SAN FRANCISCO, CA 941052742 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 1.78% |
| JIM FRENCH3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $468 | — | $468 | 2.91% |
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 | 1,569 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 43 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,635 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 2,566 | $21.7M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,662 | $1.2M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,662 | $1.2M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,662 | $1.2M |
| Prescription drug(4 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 2,566 | $21.7M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,662 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,566 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.