| 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 | $471K | $324K | $795K | 6.75% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $221K | $98K | $319K | 5.76% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $157K | — | $157K | 3.93% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $69K | $40K | $110K | 5.94% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $28K | $12K | $40K | 4.14% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $15K | $7K | $23K | 3.85% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 22852 PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | — | $419 | $419 | 0.07% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $168K | — | $168K | 43.56% |
| REDTAIL LTD3 | 9999 BREWSTER LANE STE 100 POWELL, OH 43065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27K | — | $27K | 6.96% |
| FRANK ZACCANELLI3 | 1201 ELM STREET, #3800 DALLAS, TX 75270 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.92% |
| ANDREW H NEPORENT3 Filed as: ANDREW H. NEPORENT | 1201 ELM STREET, #3800 DALLAS, TX 75270 | CONTINENTAL AMERICAN INSURANCE COMPANY | $493 | — | $493 | 0.13% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $2K | $2K | $4K | 3.81% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 22852 PO BOX 28852 NEW YORK, NY 10087 | ZURICH AMERICAN INSURANCE COMPANY | $7K | — | $7K | 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 | 24,394 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 125 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,492 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 26,011 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(13 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,296 | $9.2M |
| Vision | VISION SERVICE PLAN | 27,840 | $4.0M |
| Life insurance(3 contracts) | HARTFORD LIFE AND ACCIDENT | 27,575 | $19.2M |
| Long-term disability(3 contracts) | HARTFORD LIFE AND ACCIDENT | 27,575 | $19.2M |
| Prescription drug(5 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,296 | $5.2M |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 0 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,840 | — |
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.