| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 920 MEMORIAL CITY WAY STE 500 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $28 | $15K | 7.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 101162 PASADENA, CA 91189 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 525 MARKET ST STE 3400 SAN FRANCISCO, CA 94105 | ADVANCE INSURANCE COMPANY OF KANSAS | $19K | — | $19K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 920 MEMORIAL CITY WAY STE 500 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $28 | $3K | 20.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 101162 PASADENA, CA 91189 | METROPOLITAN LIFE INSURANCE COMPANY | — | $210 | $210 | 1.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 920 MEMORIAL CITY WAY STE 500 HOUSTON, TX 77024 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $1K | — | $1K | 10.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | 525 MARKET STREET STE 3400 SAN FRANCISCO, CA 94105 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $97 | $97 | 1.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 801 S FIGUEROA ST STE 700 LOS ANGELES, CA 90017 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $28 | $28 | 0.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 920 MEMORIAL CITY WAY STE 500 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $28 | $2K | 33.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 101162 PASADENA, CA 91189 | METROPOLITAN LIFE INSURANCE COMPANY | — | $145 | $145 | 2.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 731739 DALLAS, TX 75373 | VISION SERVICE PLAN | -$4 | — | -$4 | — |
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 | 361 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 594 | $3.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 559 | $200K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 559 | $200K |
| Life insurance | ADVANCE INSURANCE COMPANY OF KANSAS | 361 | $128K |
| Short-term disability | ADVANCE INSURANCE COMPANY OF KANSAS | 361 | $128K |
| Long-term disability | ADVANCE INSURANCE COMPANY OF KANSAS | 361 | $128K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 594 | $3.0M |
| Other(4 contracts, 3 carriers) | ADVANCE INSURANCE COMPANY OF KANSAS | 361 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 594 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.