| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | COMMISSIONS LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $182K | $65K | $247K | 7.16% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | QBE INSURANCE | — | $216K | $216K | 6.29% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $353K | $73K | $427K | 13.89% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSIONS LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $82K | — | $82K | 2.81% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $329K | $68K | $398K | 13.89% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $53K | $10K | $64K | 13.76% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSIONS LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | JOHN HANCOCK | $12K | — | $12K | 5.00% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | — | $22K | 10.00% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | ZURICH AMERICAN INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 9,549 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 142 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 175 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,866 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,383 | $10.1M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,780 | $600K |
| Vision | VISION SERVICE PLAN | 7,304 | $2.9M |
| Life insurance(3 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 9,447 | $6.4M |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 8,578 | $3.4M |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 6,529 | $3.4M |
| Other(6 contracts, 5 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 11,692 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,692 | — |
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.