| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC | P.O. BOX 741909 ATLANTA, GA 303741909 | KAISER FOUNDATION HEALTH PLAN, INC. CALIFORNIA | $103K | — | $103K | 1.92% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $92K | $167K | $259K | 6.62% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | 500 N AKARD ST STE 4100 DALLAS, TX 75201 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $143K | — | $143K | 7.95% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC | P.O. BOX 741909 ATLANTA, GA 303741909 | KAISER FOUNDATION HEALTH PLAN, INC. CALIFORNIA | $27K | — | $27K | 1.90% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | — | $25K | $25K | 2.22% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX #28852 PO BOX 28852 US NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | — | $20K | $20K | 2.25% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $50K | $12K | $62K | 11.79% |
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 | 22,125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 22,125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. CALIFORNIA | 1,462 | $8.8M |
| Dental(2 contracts) | DELTA DENTAL PLAN OF ARKANSAS | 3,767 | $608K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 26,561 | $1.8M |
| Life insurance(3 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 22,125 | $2.5M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,963 | $79K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 12,335 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,561 | — |
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."
No prospect flags tripped on this filing.