| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | DELTA DENTAL INSURANCE COMPANY | $50K | — | $50K | 1.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC | $24K | — | $24K | 1.80% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEWYORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $228K | — | $228K | 24.21% |
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUS COM INC | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $44K | $44K | 4.63% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BO 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $442K | — | $442K | 65.00% |
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUS COM INC | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $20K | $20K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC. | $12K | — | $12K | 2.26% |
| BUSINESSOLVER.COM, INC.5 | DONNA LOREN PO BOX 310411 DES MOINES, IA 50331 | ARAG INSURANCE COMPANY | — | $767 | $767 | 0.20% |
| WILLIS TOWERS WATSON US LLC3 | 800 N. GLEBE RD 10TH FL ARLINGTON, VA 22203 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $7K | — | $7K | 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 | 15,294 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 102 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,109 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 272 | $2.2M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 16,907 | $5.0M |
| Vision(2 contracts) | EYEMED VISION CARE | 14,933 | $792K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 15,354 | $2.6M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,911 | $1.8M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,307 | $1.5M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 60 | $373K |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 15,294 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,907 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.