| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $85K | $339K | $424K | 1.58% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $443K | — | $443K | 4.70% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $15K | $59K | $74K | 1.58% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NM 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $52K | $52K | 1.27% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $310K | $46K | $356K | 11.82% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $3K | $3K | 0.10% |
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 | 400,287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,311 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 401,598 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(13 contracts, 11 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 9,911 | $145.4M |
| Dental(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 1,202 | $4.8M |
| Vision(8 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 111,596 | $31.9M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 113,852 | $4.7M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 128,369 | $30.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 163,548 | $31.0M |
| Prescription drug(12 contracts, 10 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 9,911 | $141.8M |
| Other(9 contracts, 7 carriers) | SECURIAN LIFE INSURANCE COMPANY | 137,263 | $56.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163,548 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.