| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $206K | $107K | $313K | 4.70% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC | P.O. BOX 741909 ATLANTA, GA 303741909 | KAISER FOUNDATION HEALTH PLAN INC. | $116K | — | $116K | 1.76% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC | P.O. BOX 741909 ATLANTA, GA 303741909 | KAISER FOUNDATION HEALTH PLAN INC. | $40K | — | $40K | 1.75% |
| 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 | $156K | — | $156K | 8.00% |
| WILLIS TOWERS WATSON US LLC4 | PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $885K | $22K | $907K | 60.36% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | — | $26K | $26K | 2.28% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | — | $24K | $24K | 2.25% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $50K | $12K | $62K | 11.43% |
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 | 26,032 | 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) | 26,032 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 1,491 | $11.5M |
| Dental(2 contracts) | DELTA DENTAL PLAN OF ARKANSAS | 4,330 | $728K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 15,336 | $1.9M |
| Life insurance(3 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 26,032 | $2.8M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 13,145 | $6.7M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 13,352 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,032 | — |
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.
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.