| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $285K | $111K | $397K | 5.56% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $120K | $50K | $170K | 5.66% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $87K | — | $87K | 3.88% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $264K | — | $264K | 26.54% |
| REDTAIL LTD3 | 9999 BREWSTER LANE STE 100 POWELL, OH 43065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78K | — | $78K | 7.86% |
| FRANK ZACCANELLI3 | 1201 ELM STREET, #3800 DALLAS, TX 75270 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36K | — | $36K | 3.57% |
| ANDREW H NEPORENT3 Filed as: ANDREW H. NEPORENT | 1201 ELM STREET, #3800 DALLAS, TX 75270 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 0.49% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $42K | $10K | $53K | 5.61% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 4.00% |
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 | 46,647 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 117 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 46,764 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(13 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 10,356 | $11.5M |
| Dental | AETNA LIFE INSURANCE CO. | 2,735 | $517K |
| Vision | VISION SERVICE PLAN | 26,884 | $2.2M |
| Life insurance(3 contracts) | HARTFORD LIFE AND ACCIDENT | 28,103 | $11.1M |
| Long-term disability(3 contracts) | HARTFORD LIFE AND ACCIDENT | 28,103 | $11.1M |
| Prescription drug(5 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,308 | $7.3M |
| Other(3 contracts) | HARTFORD LIFE AND ACCIDENT | 0 | $495K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,103 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.