| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO, INC. | 555 17TH STREET, SUITE 2050 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $10K | $0 | $10K | 0.78% |
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA SUITE 630 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $401 | $0 | $401 | 0.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO, INC. | 2000 SOUTH COLORADO BOULEVARD SUITE 900 DENVER, CO 80222 | CALIFORNIA PHYSICIANS SERVICE | $32K | $0 | $32K | 3.73% |
| USI INSURANCE SERVICES LLC3 | 630 WEST GERMANTOWN PIKE, SUITE 200 PLYMOUTH MEETING, PA 19462 | CALIFORNIA PHYSICIANS SERVICE | $26K | $0 | $26K | 3.08% |
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA SUITE 630 CHICAGO, IL 60606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | $0 | $13K | 14.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CALIFONIA, INC. | PO BOX 101162 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $11K | $11K | 13.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO, INC. | 2000 SOUTH COLORADO BOULEVARD SUITE 900 DENVER, CO 80222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 4.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO, INC. | PO BOX 22080 CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $541 | $23 | $564 | 2.02% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $488 | $0 | $488 | 1.75% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $116 | $1K | 6.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO, INC. | PO BOX 22080 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $170 | $14 | $184 | 0.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO, INC. | 720 SOUTH COLORADO BOULEVARD SUITE 600 DENVER, CO 80246 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $147 | $13 | $160 | 0.77% |
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 | 1,856 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,864 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 126 | $851K |
| Vision | VISION SERVICE PLAN | 1,797 | $179K |
| Life insurance(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 665 | $1.3M |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 665 | $1.3M |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 665 | $1.3M |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 126 | $851K |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 1,856 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,856 | — |
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.