| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $21K | $34K | $55K | 2.41% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2185 NORTH CALIFORNIA BOULEVARD WALNUT CREEK, CA 94596 | HARTFORD LIFE AND ACCIDENT | $12K | $0 | $12K | 0.55% |
| WILLIS TOWERS WATSON US LLC3 | 75 ARLINGTON STREET, 10TH FLOOR BOSTON, MA 02116 | HARTFORD LIFE AND ACCIDENT | $2K | $534 | $2K | 0.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 62877 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | HARTFORD LIFE AND ACCIDENT | $488 | $24 | $512 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $33K | $0 | $33K | 4.02% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $32K | $0 | $32K | 3.91% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2185 NORTH CALIFORNIA BOULEVARD WALNUT CREEK, CA 94596 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $6K | $0 | $6K | 0.68% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, CA 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $87K | $7K | $94K | 14.15% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $75K | $118 | $75K | 11.20% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.64% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | METLIFE LEGAL PLANS | $5K | $0 | $5K | 6.03% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, TX 10087 | METLIFE LEGAL PLANS | $3K | $909 | $4K | 4.28% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | METLIFE LEGAL PLANS | $0 | $170 | $170 | 0.19% |
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 | 7,244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 682 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,960 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 866 | $5.5M |
| Dental | DELTA DENTAL OF COLORADO | 8,399 | $3.6M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 0 | $814K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 7,653 | $2.3M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 7,653 | $2.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 7,653 | $2.3M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 866 | $5.5M |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 112,102 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112,102 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.