| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 29848 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $120K | — | $120K | 2.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC | 29848 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $87K | — | $87K | 2.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 29848 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $282K | — | $282K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 29848 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $149K | — | $149K | 10.00% |
| LOCKTON COMPANIES, LLC3 | DEPT 4302 PO BOX 123042 DALLAS, TX 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $39K | $63K | 5.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA | 29848 NETWORK PL CHICAGO, IL 606731298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 0.58% |
| LOCKTON COMPANIES, LLC3 | DEPT 4302 PO BOX 123042 DALLAS, TX 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $73K | $28K | $102K | 12.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA | 29848 NETWORK PLACE CHICAGO, IL 606731298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $2K | $16K | 1.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC. | 29848 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $55K | — | $55K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF FL | 1450 BRICKELL AVENUE #1600 MIAMI, FL 33131 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $10K | — | $10K | 1.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 29848 NETWORK PLACE CHICAGO, IL 606731298 | HARTFORD LIFE AND ACCIDENT | $44K | — | $44K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 29848 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $43K | — | $43K | 10.00% |
| LOCKTON COMPANIES, LLC3 | DEPT 3042 PO BOX 123042 DALLAS, TX 753123042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $12K | $43K | 12.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA | 29848 NETWORK PL CHICAGO, IL 606731298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $674 | $6K | 1.80% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 3.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 29848 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | — | $22K | 20.00% |
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 | 15,935 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 103 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,038 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 745 | $7.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 2,111 | $361K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 7,097 | $393K |
| Life insurance(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12,818 | $5.3M |
| Short-term disability(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 2,133 | $1.3M |
| Long-term disability(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12,851 | $2.9M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12,818 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,851 | — |
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.