| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 12505 PARK POTOMAC AVE STE 300 POTOMAC, MD 208546805 | KAISER FOUNDATION HEALTH PLAN, INC. | $50K | — | $50K | 3.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29754 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | — | $21K | 9.07% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES | 3010 BRIARPARK DR STE 8000 HOUSTON, TX 770423706 | VISION SERVICE PLAN | $7K | — | $7K | 2.91% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT ST BUFFALO, NY 14204 | VISION SERVICE PLAN | $5K | — | $5K | 2.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | 29754 NETWORK PL CHICAGO, IL 606731297 | VISION SERVICE PLAN | $4K | — | $4K | 1.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 29754 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 31817 CHARLOTTE, NC 28282 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39K | — | $39K | 19.09% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $1 | $1 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 29754 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29754 NETWORK PL CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $248 | — | $248 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUE SHIELD OF SOUTH CARO EIN 57-0287419 SERVICE PROVIDER | Claims processing; Contract Administrator Service code 12 | — | $702K |
| EXPRESS SCRIPTS SERVICE PROVIDER | Claims processing; Contract Administrator Service code 12 | 1 EXPRESS WAY ST. LOUIS, MO 63121 | $239K |
| WILLIS TOWERS WATSON SOUTHEAST BROKER | Other commissions Service code 55 | P.O. BOX 31817 CHARLOTTE, NC 28231 | $58K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 SERVICE PROVIDER | Contract Administrator; Claims processing Service code 12 | — | $57K |
| FLORES AND ASSOCIATES EIN 56-1542307 FSA ADMIN | Claims processing; Contract Administrator Service code 12 | — | $8K |
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 | 1,516 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,541 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 166 | $1.4M |
| Vision | VISION SERVICE PLAN | 977 | $224K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,473 | $228K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,473 | $209K |
| Other(4 contracts, 4 carriers) | METLIFE LEGAL PLANS | 1,473 | $629K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,473 | — |
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.