| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 1 WORLD FINANCIAL CENTER 621ST FLOOR NEW YORK, NY 10281 | KAISER FOUNDATION HEALTH PLAN INC | $42K | $10K | $52K | 3.54% |
| LOCKTON COMPANIES, LLC3 | PO BOX 92643 LOS ANGELES, CA 90009 | KAISER FOUNDATION HEALTH PLAN INC | $262 | $0 | $262 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 200 LIBERTY STREET, 6TH FLOOR NEW YORK, NY 10281 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $47K | $5K | $52K | 10.15% |
| LOCKTON COMPANIES, LLC3 | 3601 SW 16TH STREET, SUITE 200 MIRAMAR, FL 33027 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 0.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 LIBERTY STREET, 6TH FLOOR NEW YORK, NY 10281 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 3.91% |
| LOCKTON COMPANIES, LLC3 | 201 SOUTH BISCAYNE BOULEVARD SUITE 2850 MIAMI, FL 33131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 0.67% |
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 | 1,095 | 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) | 1,095 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 168 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 577 | $425K |
| Vision | VISION SERVICE PLAN | 614 | $78K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,095 | $509K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,095 | $509K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,095 | $509K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 168 | $1.5M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,095 | $509K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,095 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.