| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX #2LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $567K | $176K | $743K | 7.53% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | QBE INSURANCE | $137K | — | $137K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | DELTA DENTAL INSURANCE COMPANY | $179K | — | $179K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILLIATES(CIGNA) | $162K | — | $162K | 9.96% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN, INC | $38K | — | $38K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | RELIASTAR LIFE INSURANCE COMPANY | $312K | $20K | $332K | 33.64% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN, INC | $21K | — | $21K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $15K | — | $15K | 3.29% |
| WILLIS TOWERS WATSON US LLC3 | 600 UNIVERSITY ST SUITE 3100 SEATTLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $15K | — | $15K | 3.18% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $12K | — | $12K | 3.40% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $29K | — | $29K | 9.97% |
| WILLIS TOWERS WATSON US LLC3 | 250 MONROE AVENUE NW SUITE 400 GRAND RAPID, MI 49503 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $10K | — | $10K | 3.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US LLC(NY) | 400 NORTH EXECUTIVE DRIVE SUITE 300 BROOK FIELD, WI 53005 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $9K | — | $9K | 3.50% |
| WILLIS TOWERS WATSON US LLC3 | 38 EASTWOOD DRIVE SUITE 300 SOUTH BURLINGTON SOUTH BURLINGTON, VT 05403 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $9K | — | $9K | 3.55% |
| WILLIS TOWERS WATSON US LLC3 | 75 ARLINGTON STREET, FLOOR 10 BOSTON, MA-02116 BOSTON, MA 02116 | HARTFORD LIFE AND ACCIDENT | $22K | $3K | $25K | 11.02% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | ARAG SERVICES, LLC | $18K | — | $18K | 13.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $9K | — | $9K | 10.05% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $169 | — | $169 | 9.22% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $20 | — | $20 | 9.22% |
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 | 7,202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 75 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 268 | $4.0M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 3,751 | $3.4M |
| Vision(4 contracts) | EYEMED | 3,625 | $386K |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 10,772 | $10.1M |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 4,205 | $2.3M |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 10,772 | $11.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,772 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.