| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SVC. | 801 S FIGUEROSA ST, STE 800 LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN INC. | $9K | — | $9K | 2.92% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731299 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | — | $6K | 2.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $3K | $12K | 3.82% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 2555 E. CAMELBACK ROAD, SUITE 700 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 1.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $2K | $17K | 6.61% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICE | 255 EAST CAMELBACK RD. STE. 700 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 2.53% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE M MCCULLUGH | 14715 NE 95TH ST, STE. 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 11.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 801 S FIGUEROA ST, STE 700 LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $2K | $8 | $2K | 3.30% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES WEST, INC. | 2555 E. CAMELBACK ROAD, SUITE 700 PHOENIX, AZ 850169256 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $856 | — | $856 | 1.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $466 | $4K | 8.10% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICE | 255 EAST CAMELBACK RD. STE. 700 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | PO BOX 730054 DALLAS, TX 75373 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $790 | — | $790 | 2.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $241 | $2K | 6.82% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | 255 EAST CAMELBACK RD. STE. 700 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $640 | — | $640 | 2.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | PO BOX 730054 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 18.91% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 255 EAST CAMELBACK RD. STE. 7002544 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 11.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | PO BOX 730054 DALLAS, TX 753730054 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 19.03% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICE | 2555 E. CAMELBACK ROAD, SUITE 700 PHOENIX, AZ 850169256 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | PO BOX 730054 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 18.82% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICE | 2555 E. CAMELBACK ROAD, SUITE 700 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 11.18% |
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 | 473 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 56 | $370K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 738 | $29K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 322 | $39K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 816 | $251K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 107 | $50K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 471 | $313K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 738 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 816 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.