| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS | 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | — | $24K | $24K | 1.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 SOUTH WACKER DR, STE 2000 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $30K | — | $30K | 2.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC. | 233 S WACKER DR, STE 2000 CHICAGO, IL 60606 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $96K | $23K | $119K | 11.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 S WACKER STE 2000 CHICAGO, IL 60606 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $55K | $8K | $63K | 11.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 S WACKER DRIVE SUITE 1875 CHICAGO, IL 60606 | ARAG SERVICES, LLC | $5K | — | $5K | 10.00% |
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 | 1,482 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 175 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,684 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 240 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,079 | $1.7M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,079 | $1.7M |
| Life insurance(2 contracts) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,431 | $1.6M |
| Long-term disability(2 contracts) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,431 | $1.6M |
| Other(4 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,431 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,079 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.