| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | P.O. BOX 904037 CHARLOTTE, NC 282904037 | KAISER FOUNDATION HEALTH PLAN INC. | $111K | — | $111K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | PO BOX 904037 CHARLOTTE, NC 282904037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $252K | — | $252K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SOCTTSDALE RD STE 600 SCOTTSDALE, AZ 852541804 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $28K | $28K | 1.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC | P.O. BOX 904037 CHARLOTTE, NC 282904037 | KAISER FOUNDATION HEALTH PLAN INC. | $67K | — | $67K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | PO BOX 904037 CHARLOTTE, NC 282904037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $125K | — | $125K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 852541804 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $28K | $28K | 2.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC. | PO BOX 904037 CHARLOTTE, NC 282904037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $48K | — | $48K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 852541804 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $28K | $28K | 5.71% |
| 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 | $7K | — | $7K | 1.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 1450 BRICKELL AVE. STE. 1600 MIAMI, FL 33131 | HARTFORD LIFE AND ACCIDENT | $30K | — | $30K | 8.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | PO BOX 904037 CHARLOTTE, NC 282904037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | — | $36K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 852541804 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $23K | $23K | 6.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | PO BOX 904037 CHARLOTTE, NC 282904037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 20.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 852541804 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.07% |
| TANENBAUM HARBER OF FL3 | 2900 SW 149TH AVE. STE 100 MIRAMAR, FL 33027 | HARTFORD LIFE INSURANCE CO. | — | $614 | $614 | — |
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 | 11,067 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 153 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 673 | $8.2M |
| Dental(2 contracts, 2 carriers) | HMSA HEALTH PLAN | 2,360 | $2.3M |
| Vision | VISION SERVICE PLAN | 7,377 | $820K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 11,450 | $3.0M |
| Short-term disability(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 9,500 | $803K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 11,355 | $1.2M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 11,450 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,450 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.