| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | PO BOX 4557 NEW YORK, NY 10249 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $200K | — | $200K | 6.92% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 777 S. FIGUEROA ST 52ND FL. LOS ANGELES, CA 90017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $182K | — | $182K | 6.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST NEW YORK, NY 10281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $54K | — | $54K | 1.88% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 354970 PACIFIC SERIES OF LOCKTON DEPT LA 23940 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 0.44% |
| LOCKTON COMPANIES, LLC3 | 777 S FIGUEROA ST STE 5200 LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN INC. | $25K | — | $25K | 0.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 1 WORLD FINANCIAL CTR FL 621 NEW YORK, NY 10281 | KAISER FOUNDATION HEALTH PLAN INC. | $24K | — | $24K | 0.85% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK, P.O. BOX 843844 KANSAS CITY, MO 64184 | KAISER FOUNDATION HEALTH PLAN INC. | — | $664 | $664 | 0.02% |
| LOCKTON COMPANIES, LLC3 | 777 S. FIGUEROA ST, STE 5200 LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN INC. | $12K | — | $12K | 1.90% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK, P.O. BOX 843844 KANSAS CITY, MO 64184 | KAISER FOUNDATION HEALTH PLAN INC. | — | $181 | $181 | 0.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 100 BANK STREET - SUITE 500 BURLINGTON, VT 05401 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $9K | — | $9K | 1.52% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E. UNION AVE, SUITE 700 DENVER, CO 80237 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $2K | — | $2K | 0.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 LIBERTY STREET NEW YORK, NY 10281 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $5K | — | $5K | 1.24% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 777 S. FIGUEROA ST 52ND FLOOR LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $2K | — | $2K | 0.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 1 WORLD FINANCIAL CTR FL 6 NEW YORK, NY 10281 | VISION SERVICE PLAN | $4K | — | $4K | 1.44% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | VISION SERVICE PLAN | $3K | — | $3K | 1.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 1 WORLD FINANCIAL CENTER 200 LIBERTY STREET NEW YORK, NY 10281 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $2K | — | $2K | 1.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 1 WORLD FINANCIAL CTR FL 6 NEW YORK, NY 10281 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | — | $9K | 5.81% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 4.17% |
| LOCKTON COMPANIES, LLC3 | 725 S. FIGUEROA 35TH FLOOR LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $2K | — | $2K | 1.88% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INSURANCE LLC- LA | 777 S FIGUEROA ST STE 5200 LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $397 | — | $397 | 1.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 100 BANK STREET - SUITE 500 BURLINGTON, VT 05401 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $397 | — | $397 | 1.04% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W. MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $23 | — | $23 | 1.98% |
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 | 2,808 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,825 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 395 | $4.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,115 | $146K |
| Vision | VISION SERVICE PLAN | 1,774 | $262K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,808 | $2.9M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,808 | $2.9M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,808 | $2.9M |
| Prescription drug(8 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 395 | $4.7M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,808 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,808 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.