| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SUN LIFE ASSURANCE COMPANY OF CANADA | $103K | $38K | $141K | 3.91% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | — | $205K | $205K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $192K | — | $192K | 33.47% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY | — | $23K | $23K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | ARAG INSURANCE COMPANY | $13K | — | $13K | 13.00% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $2K | — | $2K | 3.16% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $2K | — | $2K | 3.67% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SUN LIFE AND HEALTH INSURANCE COMPANY | — | $252 | $252 | 0.62% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $73 | $73 | 1.09% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $257 | — | $257 | 5.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SUN LIFE ASSURANCE COMPANY OF CANADA | $112 | $66 | $178 | 9.94% |
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 | 4,172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 58 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | TRIPLE S SALUD INC | 92 | $975K |
| Dental(3 contracts, 3 carriers) | TRIPLE S SALUD INC | 6,698 | $967K |
| Vision(3 contracts, 2 carriers) | TRIPLE S SALUD INC | 6,045 | $1.3M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 241 | $3.6M |
| Short-term disability(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 241 | $3.7M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 241 | $3.6M |
| Prescription drug(3 contracts, 2 carriers) | TRIPLE S SALUD INC | 92 | $975K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 3,316 | $3.4M |
| Other(5 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,589 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,698 | — |
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.