| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX 28025 28025 NETWORK PL CHICAGO, IL 606731280 | STANDARD INSURANCE COMPANY | $47K | — | $47K | 1.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | HYATT LEGAL PLANS, INC. | $38K | — | $38K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | COMMISSION LOCKBOX 28852 P.O, BOX 28852 NEW YORK, NY 10087 | HYATT LEGAL PLANS, INC. | — | $5K | $5K | 1.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WATSON WYATT & COMPANY | 901 N. GLEBE ROAD ARTLINGTON, VA 22203 | HYATT LEGAL PLANS, INC. | — | $944 | $944 | 0.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA, INC | P.O. BOX 8500 S-6110 PHILADELPHIA, PA 19178 | HYATT LEGAL PLANS, INC. | — | $92 | $92 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH &BENEFIT LLC | 1166 AVE OF AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $19K | — | $19K | 25.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 CONTRACT ADMIN | Contract Administrator; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Float revenue Service code 12 | — | $3.7M |
| CIGNA EIN 06-0303370 CLAIMS ADMIN | Direct payment from the plan; Named fiduciary; Participant communication; Other services; Non-monetary compensation; Claims processing; Float revenue; Contract Administrator Service code 12 | — | $735K |
| REDBRICK HEALTH EIN 20-5250594 SERVICE PROVIDER | Other fees Service code 99 | — | $486K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $222K |
| MATRIX ABSENCE MANAGEMENT, INC EIN 77-0493584 NONE | Claims processing Service code 12 | — | $206K |
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 | 7,243 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 7,243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTHCARE OF CALIFORNIA | 2,206 | $10.1M |
| Dental | CONNECTICUT GERNEAL LIFE INSURANCE COMPANY | 1,200 | $241K |
| Vision | VISION SERVICE PLAN | 5,757 | $1.4M |
| Life insurance | STANDARD INSURANCE COMPANY | 6,653 | $3.5M |
| Long-term disability | STANDARD INSURANCE COMPANY | 6,641 | $3.0M |
| Other(4 contracts, 4 carriers) | HYATT LEGAL PLANS, INC. | 7,243 | $807K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,572 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.