| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | FBO GLOBAL FOUNDRIES 1500 MARKET ST FL 20 PHILADELPHIA, PA 19102 | STANDARD INSURANCE COMPANY | $35K | — | $35K | 0.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 911891162 | STANDARD INSURANCE COMPANY | $17K | — | $17K | 0.43% |
| WILLIS TOWERS WATSON US LLC3 | FBO GLOBAL FOUNDRIES 1500 MARKET ST FL 20 PHILADELPHIA, PA 19102 | STANDARD INSURANCE COMPANY | $30K | — | $30K | 0.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 911891162 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 0.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $41K | — | $41K | 9.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | COMMISSION LOCKBOX 28852 P.O, BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | — | $3K | $3K | 0.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | COMMISSION LOCKBOX 28852 P.O, BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | — | $2K | $2K | 0.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA, INC | P.O. BOX 8500 S-6110 PHILADELPHIA, PA 19178 | METLIFE LEGAL PLANS | — | $61 | $61 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 CONTRACT ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing; Float revenue Service code 12 | — | $4.1M |
| CIGNA EIN 06-0303370 CLAIMS ADMIN | Direct payment from the plan; Float revenue; Contract Administrator; Non-monetary compensation; Claims processing; Named fiduciary; Participant communication; Other services Service code 12 | — | $599K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $234K |
| MATRIX ABSENCE MANAGEMENT, INC EIN 77-0493584 NONE | Claims processing Service code 12 | — | $199K |
| BLUE CROSS OF CALIFORNIA EIN 95-3760980 CLAIMS ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing; Float revenue Service code 12 | — | $14K |
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 | 7,783 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 7,783 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTHCARE OF CALIFORNIA | 2,170 | $9.7M |
| Dental | CONNECTICUT GERNEAL LIFE INSURANCE COMPANY | 1,277 | $232K |
| Vision | VISION SERVICE PLAN | 6,074 | $1.4M |
| Life insurance | STANDARD INSURANCE COMPANY | 7,098 | $4.0M |
| Long-term disability | STANDARD INSURANCE COMPANY | 7,078 | $3.4M |
| Other(4 contracts, 4 carriers) | METLIFE LEGAL PLANS | 7,783 | $745K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,783 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.