| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 NEW YORK, NY 100878852 | AETNA LIFE INSURANCE CO. | — | $22K | $22K | 0.47% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | BLUE CROSS OF CALIFORNIA | $236K | $0 | $236K | 8.86% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | BLUE CROSS OF CALIFORNIA | $0 | $61K | $61K | 2.29% |
| WILLIS TOWERS WATSON US LLC4 | 4301 W BOY SCOUT BLVD, SUITE 570 TAMPA, FL 33607 | HARTFORD LIFE AND ACCIDENT | — | $26K | $26K | 1.25% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $1K | $384 | $1K | 1.38% |
| WILLIS TOWERS WATSON US LLC3 | 4301 W BOY SCOUT BLVD, SUITE 570 TAMPA, FL 33607 | HARTFORD LIFE AND ACCIDENT | $778 | $275 | $1K | 1.35% |
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 | 4,633 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 77 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 677 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 834 | $6.0M |
| Dental(5 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 834 | $6.0M |
| Vision(4 contracts, 2 carriers) | NETCARE LIFE & HEALTH INSURANCE | 129 | $1.3M |
| Life insurance(6 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 3,769 | $2.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,769 | $2.1M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 63 | $483K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS OF CALIFORNIA | 3,372 | $2.7M |
| Other(9 contracts, 5 carriers) | NETCARE LIFE & HEALTH INSURANCE | 4,633 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,633 | — |
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."
No prospect flags tripped on this filing.