| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $75K | $75K | 1.53% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $62 | $15K | 0.30% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE COMPANY | $50K | — | $50K | 3.03% |
| WILLIS TOWERS WATSON US LLC | LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 100870001 | KAISER FOUNDATION HEALTH PLAN INC | $81K | — | $81K | 5.89% |
| SEQUOIA BENEFITS & INS SVCS LLC Filed as: SEQUOIA BENEFITS AND INSURANCE SERV | 1850 GATEWAY DR STE 700 SAN MATEO, CA 944044067 | KAISER FOUNDATION HEALTH PLAN INC | $176 | $3K | $3K | 0.24% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 1 WORLD FINANCIAL CTR FL 621 NEW YORK, NY 102811003 | KAISER FOUNDATION HEALTH PLAN INC | -$14K | — | -$14K | -1.01% |
| WILLIS TOWERS WATSON US LLC | LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 100870001 | KAISER FOUNDATION HEALTH PLAN INC | $76K | — | $76K | 5.52% |
| SEQUOIA BENEFITS & INS SVCS LLC Filed as: SEQUOIA BENEFITS AND INSURANCE SERV | 1850 GATEWAY DR STE 700 SAN MATEO, CA 944044067 | KAISER FOUNDATION HEALTH PLAN INC | $262 | $3K | $3K | 0.25% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 1 WORLD FINANCIAL CTR FL 621 NEW YORK, NY 102811003 | KAISER FOUNDATION HEALTH PLAN INC | -$9K | — | -$9K | -0.63% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE COMPANY | $0 | $36K | $36K | 3.98% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP SE | 40 WALL ST STE 1304 NEW YORK, NY 100051304 | METROPOLITAN LIFE INSURANCE COMPANY | $247K | $27K | $274K | 36.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $61K | — | $61K | 8.25% |
| EXECUTIVE SERVICES SECURITIES LLC3 | 3445 PEACHTREE RD NE STE 200 ATLANTA, GA 303261234 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | — | $25K | 3.56% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 606061710 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 0.27% |
| WILLIS TOWERS WATSON US LLC7 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $249 | $7K | 25.90% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $5K | — | $5K | 25.00% |
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 | 8,388 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 296 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 233 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,917 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 226 | $3.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 13,226 | $914K |
| Vision | AETNA LIFE INSURANCE COMPANY | 13,226 | $914K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 9,024 | $5.6M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 9,024 | $4.9M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 9,024 | $4.9M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 226 | $2.8M |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 6,881 | $1.7M |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,024 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,226 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.