| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF GA | 806 TYVOLA RD, STE 108 CHARLOTTE, NC 28217 | AETNA LIFE INSURANCE CO | $203K | $82K | $285K | 9.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS, INC. | 15305 DALLAS PKWY STE 1100 ADDISON, TX 75001 | KAISER FOUNDATION HEALTH PLAN INC | $122K | — | $122K | 6.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | EMPIRE HEALTHCHOICE HMO, INC. | $13K | — | $13K | 0.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SERVICES OF GA | ATTN JOSHUA SEGARS 5 CONCOURSE PKWY 18TH FL ATLANTA, GA 30328 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 4.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS, INC. | 15305 DALLAS PKWY STE 1100 ADDISON, TX 75001 | KAISER FOUNDATION HEALTH PLAN INC | $15K | — | $15K | 6.36% |
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 | 5,208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 84 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 366 | $7.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,896 | $3.1M |
| Vision | VISION SERVICE PLAN | 3,344 | $381K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 5,345 | $3.4M |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 5,345 | $3.4M |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 5,345 | $3.4M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 5,345 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,345 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.