| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $226K | $175K | $401K | 4.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC | PO BOX 741909 ATLANTA, GA 303741909 | KAISER FOUNDATION HEALTH PLAN INC | $97K | — | $97K | 1.46% |
| DAVID ROTH3 Filed as: DAVID G ZICK | 30800 TELEGRAPH RD STE 3800 BINGHAM FARMS, MI 480254545 | KAISER FOUNDATION HEALTH PLAN INC | $31 | — | $31 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $68K | — | $68K | 2.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 741909 ATLANTA, GA 303741909 | KAISER FOUNDATION HEALTH PLAN INC | $86K | — | $86K | 2.60% |
| DAVID ROTH3 Filed as: DAVID G ZICK | 30800 TELEGRAPH RD STE 3800 BINGHAM FARMS, MI 480254545 | KAISER FOUNDATION HEALTH PLAN INC | -$45K | — | -$45K | -1.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $116K | — | $116K | 3.83% |
| DAVID ROTH3 Filed as: DAVID ZICK | 30800 TELEGRAPH ROAD BINGHAM FARMS, MI 48025 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $721 | — | $721 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | $336K | — | $336K | 15.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 741909 ATLANTA, GA 303741909 | KAISER FOUNDATION HEALTH PLAN INC | $72K | — | $72K | 3.47% |
| DAVID ROTH3 Filed as: DAVID G ZICK | 30800 TELEGRAPH RD STE 3800 BINGHAM FARMS, MI 480254545 | KAISER FOUNDATION HEALTH PLAN INC | -$24K | — | -$24K | -1.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $88K | — | $88K | 4.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $19K | — | $19K | 0.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $44K | $2K | $45K | 2.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 741909 ATLANTA, GA 303741909 | KAISER FOUNDATION HEALTH PLAN INC | $71K | — | $71K | 3.75% |
| DAVID ROTH3 Filed as: DAVID G ZICK | 30800 TELEGRAPH RD STE 3800 BINGHAM FARMS, MI 480254545 | KAISER FOUNDATION HEALTH PLAN INC | -$108K | — | -$108K | -5.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $120K | — | $120K | 7.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $16K | $572 | $16K | 1.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA, INC. | PO BOX 8500 LOCKBOX 9102 PHILADELPHIA, PA 19178 | KEYSTONE HEALTH PLAN EAST | $17K | — | $17K | 1.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA, INC. | PO BOX 8500 LOCKBOX #9102 PHILADELPHIA, PA 19178 | KEYSTONE HEALTH PLAN EAST | $19K | — | $19K | 1.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 741909 ATLANTA, GA 303741909 | KAISER FOUNDATION HEALTH PLAN INC | $30K | — | $30K | 3.92% |
| DAVID ROTH3 Filed as: DAVID G ZICK | 30800 TELEGRAPH RD STE 3800 BINGHAM FARMS, MI 480254545 | KAISER FOUNDATION HEALTH PLAN INC | -$11K | — | -$11K | -1.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC | LOCK BOX #741909 PO BOX 741 ATLANTA, GA 303741909 | HEALTH NEW ENGLAND, INC. | $18K | — | $18K | 2.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 741909 ATLANTA, GA 303741909 | KAISER FOUNDATION HEALTH PLAN INC | $25K | — | $25K | 3.74% |
| DAVID ROTH3 Filed as: DAVID G ZICK | 30800 TELEGRAPH RD STE 3800 BINGHAM FARMS, MI 480254545 | KAISER FOUNDATION HEALTH PLAN INC | -$10K | — | -$10K | -1.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $14K | $604 | $14K | 2.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 741909 ATLANTA, GA 303741909 | KAISER FOUNDATION HEALTH PLAN INC | $18K | — | $18K | 3.93% |
| DAVID ROTH3 Filed as: DAVID G ZICK | 30800 TELEGRAPH RD STE 3800 BINGHAM FARMS, MI 480254545 | KAISER FOUNDATION HEALTH PLAN INC | -$7K | — | -$7K | -1.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UPMC HEALTH OPTIONS | $7K | — | $7K | 1.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | BLUE CROSS OF CALIFORNIA | $11K | — | $11K | 2.77% |
| RISK SOLUTION GROUP, INC.3 Filed as: RISK SOLUTIONS GROUP, INC. | 416 AVE PONCE DE LEON EDIF UNION PLAZA STE 1400 SAN JUAN, PR 00917 | HUMANA INSURANCE OF PUERTO RICO, INC. | $14K | — | $14K | 4.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UPMC HEALTH OPTIONS | $8K | — | $8K | 2.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 741909 ATLANTA, GA 303741909 | KAISER FOUNDATION HEALTH PLAN INC | $10K | — | $10K | 3.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | EXCELLUS BLUE CROSS BLUE SHIELD | $9K | — | $9K | 3.99% |
| SUSANNA MARIE RUSSELL3 Filed as: SUSANNA RUSSELL | PO BOX 741909 ATLANTA, GA 303741909 | BLUE CARE NETWORK OF MICHIGAN | $8K | — | $8K | 4.52% |
| ACTION BENEFITS COMPANY3 Filed as: ACTION BENEFITS | 26533 EVERGREEN RD SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 1.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 100878852 | NEWPORT DENTAL PLAN | $645 | — | $645 | 3.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 10.41% |
| ROBERT E STEWART JR3 Filed as: ROBERT W STEWART | 231 WEST PITTSBURGH ST 1ST FLOOR GREENSBURG, PA 15601 | COMPANION LIFE INSURANCE COMPANY | $526 | — | $526 | 5.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 30150 TELEGRAPH STE 408 BINGHAM FARMS, MI 48025 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $108 | $108 | 1.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | GERBER LIFE INSURANCE CO. | $698 | — | $698 | 9.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UPMC HEALTH OPTIONS | $133 | — | $133 | — |
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 | 57,219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 190 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 57,409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(17 contracts, 12 carriers) | AETNA LIFE INSURANCE CO. | 1,357 | $12.8M |
| Dental(7 contracts, 7 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 12,276 | $3.5M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 12,121 | $1.7M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 57,973 | $8.7M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 57,973 | $8.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 57,973 | $8.7M |
| Prescription drug(5 contracts, 4 carriers) | HEALTHNOW NEW YORK, INC. DBA BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 46 | $975K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 57,973 | $11.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 57,973 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.