| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | 15303 VENTURA BLVD #700 SHERMAN OAKS, CA 91403 | BLUE CROSS OF CALIFORNIA | $74K | — | $74K | 3.24% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $42K | $42K | 2.17% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $792 | $2K | $2K | 3.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $581 | $1K | $2K | 3.24% |
| ALLIANT INSURANCE SERVICES, INC.3 | 100 PINE STREET, 9TH FLOOR SAN FRANCISCO, CA 94111 | AIG PROPERTY CASUALTY, U.S. | $3K | — | $3K | 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 | 5,475 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 56 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 208 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,739 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 1,302 | $5.0M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 1,302 | $5.0M |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 58 | $600K |
| Life insurance(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 3,678 | $6.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,678 | $1.9M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 58 | $382K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS OF CALIFORNIA | 3,280 | $2.3M |
| Other(6 contracts, 5 carriers) | AETNA LIFE INSURANCE CO. | 5,475 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,475 | — |
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.