| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | LOCKBOX 100485 BANC ONE DEPT 100485 PASADENA, CA 91189 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 5.32% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1 PENN SQUARE WEST PHILADELPHIA, PA 19102 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 2.68% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $2K | — | $2K | 1.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | PO BOX 101162 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $5K | $20K | 10.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SER | PO BOX 101162 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $4K | $16K | 10.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 101162 PASADENA, CA 91189 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 16.80% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE NEW YORK, NY 10178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 1.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 101162 PASADENA, CA 91189 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 16.82% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE NEW YORK, NY 10178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 1.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 101162 PASADENA, CA 91189 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 16.76% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE NEW YORK, NY 10178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 1.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | PO BOX 101162 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $413 | $4K | 9.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 101162 BANC ONE DEPT 100485 PASADENA, CA 91189 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 7.12% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE NEW YORK, NY 10178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $477 | — | $477 | 2.88% |
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 | 1,094 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,094 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 68 | $922K |
| Vision | VISION SERVICE PLAN | 1,099 | $224K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,013 | $641K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,153 | $457K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,012 | $610K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,327 | $1.6M |
| Other(10 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,013 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,013 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.