| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28842 LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $305K | $305K | 0.77% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28842 LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $343K | $343K | 0.87% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $89K | $352K | $441K | 1.48% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28842 LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $60K | $60K | 0.49% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $593K | — | $593K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NM 100878852 | SECURIAN LIFE INSURANCE COMPANY | $0 | $54K | $54K | 1.16% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $11K | $44K | $55K | 1.48% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $406K | $64K | $471K | 13.24% |
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 | 417,425 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,194 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 418,619 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(13 contracts, 11 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 12,404 | $143.3M |
| Dental(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 1,386 | $5.4M |
| Vision(8 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 112,639 | $33.1M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 110,747 | $3.7M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 134,165 | $39.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 167,657 | $39.6M |
| Prescription drug(12 contracts, 10 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 10,473 | $138.6M |
| Other(9 contracts, 7 carriers) | SECURIAN LIFE INSURANCE COMPANY | 153,726 | $67.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167,657 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.