| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | QBE INSURANCE | — | $293K | $293K | 6.00% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSIONS LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $219K | $56K | $275K | 8.37% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $375K | $77K | $453K | 13.87% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $364K | $75K | $439K | 13.87% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | ARAG INSURANCE COMPANY | $91K | — | $91K | 10.89% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $66K | $13K | $79K | 13.75% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSIONS LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | JOHN HANCOCK | $15K | — | $15K | 5.00% |
| WILLIS TOWERS WATSON US LLC4 | PO BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $8K | — | $8K | 3.70% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $4K | $4K | 5.33% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 2.79% |
| 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 | 12,582 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 211 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,819 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,469 | $6.7M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 2,306 | $567K |
| Life insurance(3 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 12,422 | $7.0M |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 8,758 | $3.3M |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 8,941 | $4.9M |
| Other(6 contracts, 5 carriers) | ARAG INSURANCE COMPANY | 14,760 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,760 | — |
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.