| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX #28852 P.O. BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN INC. | $52K | — | $52K | 4.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | SECURIAN LIFE INSURANCE COMPANY | $147K | $17K | $164K | 21.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $64K | $7K | $71K | 10.87% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC. | 9690 DEERECO RD SUITE 650 TIMONIUM, MD 21093 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $754 | — | $754 | 0.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWER WATSON DELAWARE | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $42K | $1K | $44K | 20.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | 901 N. GLEBE ROAD ARLINGTON, VA 22203 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $20K | — | $20K | 20.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWER WATSON DELAWARE | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $6K | $523 | $7K | 10.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | 901 N. GLEBE ROAD ARLINGTON, VA 22203 | NATIONAL UNION FIRE INS CO. OF PITTSBURGH, PA | $9K | — | $9K | 20.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | 901 N. GLEBE ROAD ARLINGTON, VA 22203 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $8K | — | $8K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Other services; Named fiduciary; Direct payment from the plan; Contract Administrator; Claims processing; Non-monetary compensation; Float revenue; Participant communication Service code 12 | — | $1.1M |
| AETNA EIN 06-6033492 NONE | Contract Administrator Service code 13 | — | $669K |
| ANTHEM EIN 54-0357120 NONE | Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $639K |
| DELTA DENTAL EIN 54-0844477 NONE | Contract Administrator Service code 13 | — | $163K |
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 NONE | Participant communication; Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $97K |
| CIGNA BEHAVIORIAL HEALTH, INC. | Direct payment from the plan; Claims processing; Contract Administrator; Participant communication Service code 12 | — | $0 |
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 | 6,913 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,951 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 2,888 | $4.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 3,522 | $299K |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 8,573 | $769K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,260 | $650K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,193 | $211K |
| Other(5 contracts, 3 carriers) | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | 6,960 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,573 | — |
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.