| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES CA, INC. | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | $0 | $10K | $10K | 0.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO, INC. | 555 17TH STREET, SUITE 2050 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $7K | $1K | $8K | 0.49% |
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA SUITE 630 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 0.10% |
| USI INSURANCE SERVICES LLC3 | 555 PLEASANTVILLE ROAD BRIARCLIFF MANOR, NY 10510 | STANDARD INSURANCE COMPANY | $0 | $21 | $21 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 630 WEST GERMANTOWN PIKE, SUITE 200 PLYMOUTH MEETING, PA 19462 | CALIFORNIA PHYSICIANS SERVICE | $34K | $0 | $34K | 4.00% |
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA SUITE 630 CHICAGO, IL 60606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | $8K | $23K | 23.59% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $634 | $0 | $634 | 1.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO, INC. | PO BOX 22080 CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $169 | $9 | $178 | 0.50% |
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLACE SUITE 630 CHICAGO, IL 60606 | FEDERAL INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $110 | $2K | 15.75% |
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 | 2,090 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 128 | $844K |
| Vision | VISION SERVICE PLAN | 2,092 | $190K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,128 | $1.7M |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,128 | $1.7M |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,128 | $1.6M |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 128 | $844K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 2,090 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,092 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.