| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAFORD BENEFIT CONSULTANTS7 Filed as: CRAFORD & CRAFORD INC | 990 5TH AVE SAN RAFAEL, CA 94901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29K | $33K | $62K | 7.44% |
| WILLIS TOWERS WATSON US LLC7 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 1.48% |
| CRAFORD BENEFIT CONSULTANTS7 Filed as: CRAFORD & CRAFORD INC | 990 FIFTH AVE SAN RAFAEL, CA 94901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $12K | $23K | 7.07% |
| WILLIS TOWERS WATSON US LLC7 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 1.50% |
| CRAFORD BENEFIT CONSULTANTS7 Filed as: CRAFORD & CRAFORD INC | 990 5TH AVE SAN RAFAEL, CA 94901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $6K | $10K | 4.51% |
| WILLIS TOWERS WATSON US LLC7 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 2.87% |
| CRAFORD BENEFIT CONSULTANTS7 Filed as: CRAFORD & CRAFORD INC | 990 5TH AVE SAN RAFAEL, CA 94901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $16K | $25K | 13.47% |
| CRAFORD BENEFIT CONSULTANTS7 Filed as: CRAFORD & CRAFORD INC | 990 5TH AVE SAN RAFAEL, CA 94901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $2K | $5K | 7.26% |
| WILLIS TOWERS WATSON US LLC7 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $914 | — | $914 | 1.47% |
| MICHAEL CRAFORD7 Filed as: MICHAEL D CRAFORD | 990 5TH AVE SAN RAFAEL, CA 94901 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $269 | $455 | $724 | 12.94% |
| WILLIS TOWERS WATSON US LLC7 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $80 | — | $80 | 1.43% |
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 | 4,400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 113 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,400 | $828K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,400 | $418K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,400 | $329K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,400 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,400 | — |
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."
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.