| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 32090 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | $214K | $38K | $252K | 2.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORPORATION | PO BOX 9052 RADNOR, PA 19087 | AETNA LIFE INSURANCE CO. | $18K | — | $18K | 0.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 1 WORLD FINANCIAL CENTER FL 621 NEW YORK, NY 10281 | KAISER FOUNDATION HEALTH PLAN INC | $25K | — | $25K | 2.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 100 BANK ST STE 500 BURLINGTON, VT 05401 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 0.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SERVICES | 801 S FIGUEROA STREET 7TH FLOOR LOS ANGELES, CA 90017 | ZURICH AMERICAN LIFE INSURANCE COMPANY | — | $19K | $19K | 33.68% |
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 | 567 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 583 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 114 | $10.1M |
| Dental | AETNA LIFE INSURANCE CO. | 0 | $9.2M |
| Vision | AETNA LIFE INSURANCE CO. | 0 | $9.2M |
| Life insurance | ZURICH AMERICAN LIFE INSURANCE COMPANY | 654 | $57K |
| Short-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 654 | $57K |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 654 | $57K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 114 | $854K |
| Other | ZURICH AMERICAN LIFE INSURANCE COMPANY | 654 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 654 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.