| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $0 | $17K | $17K | 0.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | COMMISSION LOCKBOX 28852 NEW YORK, NY 100878852 | LINCOLN LIFE INSURANCE COMPANY OF BOSTON | $0 | $6K | $6K | 0.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | 16220 N SCOTTSDALE ROAD SUITE 600 SCOTTSDALE, AZ 85254 | LINCOLN LIFE INSURANCE COMPANY OF BOSTON | $0 | $4K | $4K | 0.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | COMMISSION LOCKBOX 28852 NEW YORK, NY 100878852 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $48K | $48K | 4.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | 16220 N SCOTTSDALE ROAD SUITE 600 SCOTTSDALE, AZ 85254 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $5K | $5K | 0.51% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $66K | $6K | $72K | 10.50% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $46K | $5K | $51K | 9.11% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $82K | $5K | $87K | 19.51% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $53K | $9K | $61K | 21.38% |
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 | 10,693 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 114 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,807 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(14 contracts, 10 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 6,402 | $19.3M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 13,271 | $7.4M |
| Vision(7 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 13,271 | $7.9M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 10,806 | $3.0M |
| Short-term disability(2 contracts) | LINCOLN LIFE INSURANCE COMPANY OF BOSTON | 7,593 | $2.4M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 5,924 | $979K |
| Prescription drug | TRIPLE S SALUD, INC. | 255 | $1.1M |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 17,007 | $9.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,007 | — |
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.