| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF AZ INC | NATIONAL ACCOUNTING CENTER 26 CENTURY BLVD NASHVILLE, TN 37214 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $167K | — | $167K | 8.12% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $98K | — | $98K | 4.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | PO BOX 101162 PASADENA, CA 91189 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $46K | $46K | 2.22% |
| IMPLICO COMMUNICATIONS, INC.5 Filed as: IMPLICO COMMUNICATIONS | 3209 BENT CREEK COURT MIDLOTHIAN, TX 76065 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 0.13% |
| ODA CREATIVE PARTNERS5 | 212 N. SANGAMON ST SUITE 4G CHICAGO, IL 60607 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $550 | $550 | 0.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA, INC. | 16220 N SCOTTSDALE ROAD SCOTTSDALE, AZ 85254 | RELIASTAR LIFE INSURANCE COMPANY | $29K | — | $29K | 6.82% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET FL 8 BUFFALO, NY 14204 | RELIASTAR LIFE INSURANCE COMPANY | — | $5K | $5K | 1.24% |
| BENEPLACE, INC.3 Filed as: BENEPLACE | P.O. BOX 203550 AUSTIN, TX 78720 | HYATT LEGAL PLANS | $4K | $1K | $6K | 14.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA, INC. | PO BOX 9102 PHILADELPHIA, PA 19178 | HYATT LEGAL PLANS | — | $95 | $95 | 0.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | PO BOX 730054 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $280 | — | $280 | 15.02% |
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 | 1,797 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 48 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,858 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 193 | $1.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,206 | $152K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,747 | $2.1M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,747 | $2.1M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,747 | $2.1M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 193 | $1.0M |
| Other(5 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,797 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,797 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.