| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORP OF IL | 233 S WACKER DR, STE 2000 CHICAGO, IL 60606 | AETNA LIFE INSURANCE CO. | $83K | — | $83K | 11.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS | 233 S WACKER DR, STE 2000 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN, INC. | $19K | — | $19K | 3.85% |
| THOITS INSURANCE SERVICE INC3 Filed as: THOITS INSURANCE SVCS INC | 160 W SANTA CLARA ST, STE 575 SAN JOSE, CA 95113 | KAISER FOUNDATION HEALTH PLAN, INC. | -$4K | — | -$4K | -0.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR CHICAGO, IL 60606 | JOHN HANCOCK LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR, STE 2000 WILLIS TOWER CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR, STE 2000 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | $285 | — | $285 | 15.02% |
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 | 1,631 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,653 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 88 | $495K |
| Vision | VISION SERVICE PLAN | 1,100 | $158K |
| Life insurance | AETNA LIFE INSURANCE CO. | 2,019 | $728K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,631 | $33K |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 2,019 | $761K |
| Other(5 contracts, 5 carriers) | AETNA LIFE INSURANCE CO. | 2,019 | $797K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,019 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.