| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | MVP HEALTHCARE | $550K | — | $550K | 2.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | PO BOX 28852 NEW YORK, NY 10087 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $200K | $200K | 1.22% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $0 | $198K | $198K | 1.33% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $0 | $177K | $177K | 1.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | CENTRE SQUARE EAST 1500 MARKET ST. PHILADELPHIA, PA 19102 | UNIVERA HEALTHCARE | $150K | — | $150K | 1.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | FOUR EVER LIFE INS. CO. | $0 | $544 | $544 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHY ALLIANCE LIFE INS CO EIN 86-0257201 CLAIMS PROCESSOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Float revenue; Other services Service code 12 | — | $30.2M |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 CLAIMS PROCESSOR | Direct payment from the plan; Contract Administrator; Claims processing; Named fiduciary; Float revenue; Non-monetary compensation; Other services; Participant communication Service code 12 | — | $24.5M |
| EYEMED EIN 47-3094984 CLAIMS PROCESSOR | Other insurance fees and expenses; Contract Administrator; Claims processing Service code 12 | — | $6.8M |
| MORNEAU SHEPELL EIN 52-1883918 CLAIMS PROCESSOR | Other insurance fees and expenses; Claims processing; Contract Administrator Service code 12 | — | $350K |
| CIGNA | Claims processing; Float revenue; Other services; Participant communication; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Named fiduciary Service code 12 | — | $0 |
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 | 95,884 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,094 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 100,978 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 10 carriers) | KAISER FOUNDATION HEALTH PLAN INC (SOUTHERN CA) | 6,610 | $70.5M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 93,584 | $28.3M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 71,352 | $16.4M |
| Prescription drug(9 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN INC (SOUTHERN CA) | 6,610 | $70.5M |
| Other | ARAG INSURANCE COMPANY | 25,600 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 93,584 | — |
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.