| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $32K | $32K | $64K | 3.19% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $49K | — | $49K | 8.69% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $16K | — | $16K | 9.36% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $932 | — | $932 | 3.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $606 | — | $606 | 9.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | 62877 COLLECTIONS CENTER DR CHICAGO, IL 60693 | HARTFORD LIFE AND ACCIDENT | $244 | $24 | $268 | 16.48% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $123 | — | $123 | 9.22% |
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 | 4,376 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 118 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 85 | $1.4M |
| Dental | DELTA DENTAL OF COLORADO | 23,029 | $5.0M |
| Vision(4 contracts) | EYEMED VISION CARE | 3,518 | $742K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 6,805 | $2.0M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 6,805 | $2.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 6,805 | $2.0M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 85 | $1.4M |
| Stop-loss / reinsurancereinsurance | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 5,570 | $573K |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 94,430 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 94,430 | — |
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.