| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSONUS LLC | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100870001 | KAISER FOUNDATION HEALTH PLAN, INC. | $324K | — | $324K | 3.71% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 200 E RANDOLPH ST CHICAGO, IL 606016436 | KAISER FOUNDATION HEALTH PLAN, INC. | -$103K | — | -$103K | -1.18% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100870001 | KAISER FOUNDATION HEALTH PLAN, INC. | $153K | — | $153K | 2.52% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYS INC | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $87K | $87K | 1.51% |
| ALIGHT SOLUTIONS3 | 4 OVERLOOK PT LINCOLNSHIRE, IL 600694337 | METROPOLITAN LIFE INSURANCE COMPANY | — | $44K | $44K | 0.75% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | ATTN DONNA JOHNSON 901 MAIN ST STE 5800 DALLAS, TX 752023707 | METROPOLITAN LIFE INSURANCE COMPANY | — | $331 | $331 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | TRITON GROUP, AN MMA COMPANY PO BOX 350 CONSHOHOCKEN, PA 19428 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $169K | — | $169K | 3.38% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $81K | — | $81K | 2.12% |
| WILLIS TOWERS WATSON US LLC3 | 38 EASTWOOD DRIVE SUITE 300 SOUTH BURLINGTON, VT 05403 | KAISER FOUNDATION HEALTH PLAN, INC. | $55K | $17K | $72K | 2.19% |
| WILLIS TOWERS WATSON US LLC3 | 250 MONROE AVENUE NW SUITE 400 GRAND RAPIDS, MI 49503 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $53K | — | $53K | 2.11% |
| WILLIS TOWERS WATSON US LLC3 | 901 N GLEBE RD ARLINGTON, VA 22203 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $29K | — | $29K | 1.83% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $63K | — | $63K | 4.55% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 606949000 | EYEMED VISION CARE | $12K | — | $12K | 0.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US LLC (NY) | 400 NORTH EXECUTIVE DRIVE SUITE 300 BROOKFIELD, WI 53005 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $24K | — | $24K | 2.20% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $16K | — | $16K | 2.05% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | ARAG INSURANCE COMPANY | $40K | — | $40K | 13.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $7K | — | $7K | 3.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ACE AMERICAN INSURANCE COMPANY | $34K | — | $34K | 20.00% |
| HEWITT INSURANCE BROKERAGE LLC3 Filed as: HEWITT INSURANCE BROKERAGE | 39030 TREASURY CENTER CHICAGO, IL 606949000 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 1.72% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS & COMP SYSTEM | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10016 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $16K | $26K | 163.01% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NC 100878852 | EYEMED VISION CARE | $265 | — | $265 | 4.53% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 606949000 | EYEMED VISION CARE | $6 | — | $6 | 0.10% |
| AMERICAN BENEFITS AND COMPE SYS INC3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $297 | $297 | 7.43% |
| ALIGHT SOLUTIONS3 | 4 OVERLOOK PT LINCOLNSHIRE, IL 600694337 | METROPOLITAN LIFE INSURANCE COMPANY | — | $51 | $51 | 1.28% |
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 | 23,557 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 96 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,653 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(12 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,927 | $30.4M |
| Dental(4 contracts, 3 carriers) | SIMNSA | 936 | $1.0M |
| Vision(3 contracts, 2 carriers) | EYEMED VISION CARE | 21,398 | $1.4M |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 218,286 | $5.8M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 13,388 | $5.0M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 13,388 | $5.0M |
| Other(6 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 31,205 | $6.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218,286 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.