| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC | PO BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | $70K | $15K | $85K | 4.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INS CO NONE | Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | 22703 NETWORK PLACE CHICAGO, IL 60673 | $1.6M |
| HEALTH YOU LLC NONE | Other services Service code 49 | 3314 MESA ROAD COLORADO SPRINGS, CO 80904 | $564K |
| HIGHWAY TO HEALTH INC EIN 23-2903313 NONE | Claims processing Service code 12 | — | $173K |
| UNITED STATES TREASURY NONE | Other fees Service code 99 | — | $154K |
| MERCER HEALTH & BENEFITS LLC NONE | Consulting fees Service code 70 | PO BOX 100260 PASADENA, CA 91189 | $148K |
| DELTA DENTAL EIN 84-0568337 NONE | Employee (plan) Service code 30 | — | $145K |
| EXPRESS SCRIPTS INC EIN 22-3461740 NONE | Employee (plan) Service code 30 | — | $87K |
| RENE HERNANDEZ NONE | Copying and duplicating Service code 36 | ONE TIERRA VISTA LAGUNA HILLS, CA 92653 | $64K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Employee (plan) Service code 30 | — | $61K |
| HOLLAND & HART LLP EIN 84-0382505 NONE | Legal Service code 29 | — | $52K |
| BROCK AND CO CPAS PC EIN 84-0930288 NONE | Accounting (including auditing) Service code 10 | — | $21K |
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 | 3,039 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,060 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AETNA LIFE INSURANCE CO. | 7,297 | $1.9M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 7,297 | $1.9M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 7,297 | $1.9M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 3,060 | $1.2M |
| Other | AETNA LIFE INSURANCE CO. | 7,297 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,297 | — |
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.