| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | P O BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $203K | — | $203K | 2.67% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 1301 DOVE STREET SUITE 200 NEWPORT BEACH, CA 92660 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $146K | — | $146K | 1.93% |
| CALVOS INSURANCE UNDERWRITERS, INC.3 | P.O. BOX FJ HAGATNA, GU 96932 | TOKIO MARINE PACIFIC INSURANCE LTD. | $12K | — | $12K | 2.00% |
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 | 361,913 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,296 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 363,209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(13 contracts, 11 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 29,340 | $138.3M |
| Dental(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 1,159 | $4.7M |
| Vision | TOKIO MARINE PACIFIC INSURANCE LTD. | 122 | $595K |
| Prescription drug(12 contracts, 10 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 9,532 | $130.7M |
| Other(3 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 1,159 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 29,340 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.