| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | SECURIAN LIFE INSURANCE COMPANY | $200K | $22K | $223K | 21.38% |
| 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 | $94K | $2K | $96K | 10.22% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $50K | $904 | $51K | 20.36% |
| WILLIS TOWERS WATSON US LLC3 | 901 N. GLEBE ROAD ARLINGTON, VA 22203 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $29K | — | $29K | 20.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $12K | $333 | $12K | 10.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON US LLC | 901 N. GLEBE ROAD ARLINGTON, VA 22203 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $16K | — | $16K | 20.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON US LLC | 901 N. GLEBE ROAD ARLINGTON, VA 22203 | NATIONAL UNION FIRE INS CO. OF PITTSBURGH, PA | $13K | — | $13K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 NONE | Participant communication; Contract Administrator; Float revenue; Other services; Claims processing; Direct payment from the plan; Named fiduciary; Non-monetary compensation Service code 12 | — | $2.5M |
| AETNA EIN 06-6033492 NONE | Contract Administrator Service code 13 | — | $1.5M |
| ANTHEM EIN 54-0357120 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Contract Administrator; Float revenue Service code 12 | — | $1.3M |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 NONE | Contract Administrator Service code 13 | — | $227K |
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 NONE | Contract Administrator; Direct payment from the plan; Participant communication; Claims processing Service code 12 | — | $139K |
| HEALTHEQUITY EIN 52-2383166 NONE | Participant communication; Direct payment from the plan; Other services; Named fiduciary; Contract Administrator; Claims processing Service code 12 | — | $96K |
| CIGNA | Non-monetary compensation; Float revenue; Claims processing; Other services; Contract Administrator; Direct payment from the plan; Participant communication; Named fiduciary Service code 12 | — | $0 |
| WILLIS TOWERS WATSON US LLC EIN 54-0357120 NONE | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $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 | 10,923 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 10,935 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 10,924 | $4.7M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 8,517 | $408K |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 12,563 | $1.0M |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 10,922 | $939K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,913 | $252K |
| Other(5 contracts, 3 carriers) | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | 11,295 | $425K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,563 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.