| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEDGWICK CLAIMS MANAGEMENT SERVICES5 Filed as: SEDGWICK CLAIM MANAGEMENT SERVICES | 2620 THOUSAND OAKS BOULEVARD MEMPHIS, TN 38118 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $800K | $800K | 7.57% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON MEDICAL SOLUTIONS LLC | 1 BEACON STREET, SUITE 1700 BOSTON, MA 02108 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $289K | $0 | $289K | 2.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON STREET, SUITE 1700 BOSTON, MA 02108 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $178K | $0 | $178K | 1.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 29848 NETWORK PLACE CHICAGO, IL 60673 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $142K | $0 | $142K | 1.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE WEST | PO BOX 101162 PASADENA, CA 91189 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $56K | $0 | $56K | 0.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | KAISER FOUNDATION HEALTH PLAN INC. | $322K | $0 | $322K | 3.23% |
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 | 20,243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 133 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 20,376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 1,358 | $12.4M |
| Dental(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 1,815 | $12.7M |
| Vision(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 13,897 | $13.8M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 20,243 | $10.6M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 20,243 | $10.6M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 20,243 | $10.6M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 1,358 | $12.4M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 20,243 | $10.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,243 | — |
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.