| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALIGHT SOLUTIONS3 | 4 OVERLOOK PT LINCOLNSHIRE, IL 600694337 | METROPOLITAN LIFE INSURANCE COMPANY | — | $149K | $149K | 1.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV. LLC | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | — | $124K | $124K | 1.15% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 901 MAIN ST STE 5800 ATTN DONNA JOHNSON DALLAS, TX 752023707 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV LLC | 75 STATE ST STE 1710 BOSTON, MA 02109 | HARTFORD LIFE AND ACCIDENT | — | $92K | $92K | 1.91% |
| WILLIS TOWERS WATSON US LLC3 | P.O BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC. | $44K | — | $44K | 1.45% |
| SUSANNA M RUSSELL3 | 28411 NORTHWESTERN STE 500 SOUTHFIELD, MI 480345516 | BLUE CARE NETWORK OF MICHIGAN | $67K | — | $67K | 2.96% |
| WILLIS TOWERS WATSON US LLC3 | P.O BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC | $28K | — | $28K | 1.35% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX #28852 P.O BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $19K | — | $19K | 1.01% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P O BOX 28852 NEW YORK, NC 10087 | AETNA LIFE INSURANCE CO. | $161K | — | $161K | 9.05% |
| WILLIS TOWERS WATSON US LLC3 | P.O BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC. | $4K | — | $4K | 0.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE | P.O. BOX 28852 NEY YORK, NY 30374 | HEALTH ALLIANCE PLAN | $9K | — | $9K | 0.98% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $2K | $159 | $2K | 1.06% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE COMPANY | $11K | $6K | $17K | 8.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | 1 BEACON ST STE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 14.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA | PO BOX 301598 DALLAS, TX 75303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $804 | — | $804 | 0.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON US LLC | P.O. BOX 28852 NEW YORK, NY 10087 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $3K | — | $3K | 3.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | 1 BEACON ST STE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 18.14% |
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 | 42,549 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 392 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8,929 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 51,870 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(13 contracts, 11 carriers) | AETNA LIFE INSURANCE CO. | 63,991 | $36.4M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 63,991 | $19.9M |
| Vision | AETNA LIFE INSURANCE COMPANY | 61 | $209K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 57,824 | $10.8M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 47 | $71K |
| Prescription drug(11 contracts, 9 carriers) | HMSA HEALTH PLAN | 655 | $16.5M |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 57,824 | $16.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 63,991 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.