| 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 | — | $229K | $229K | 0.48% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28842 LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $203K | $203K | 0.48% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $88K | $346K | $434K | 1.40% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | $142K | — | $142K | 2.34% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28842 LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $19K | $19K | 0.35% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $0 | $56K | $56K | 1.10% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METROPOLITAN GENERAL INSURANCE COMPANY | $503K | $63K | $565K | 11.53% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $12K | $48K | $60K | 1.40% |
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 | 385,758 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,011 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 386,769 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(12 contracts, 11 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 15,538 | $167.9M |
| Dental(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 1,544 | $6.3M |
| Vision(8 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 205,766 | $32.9M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 115,747 | $4.3M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 121,351 | $42.6M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 170,267 | $47.7M |
| Prescription drug(11 contracts, 10 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 9,437 | $161.7M |
| Other(9 contracts, 7 carriers) | SECURIAN LIFE INSURANCE COMPANY | 121,304 | $68.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205,766 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.