| 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 | 8.39% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $94K | — | $94K | 4.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | LOCKBOX 100485 BANC ONE DEPT 100485 PASADENA, CA 91189 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 0.69% |
| PRINT TIME, INC.5 | 2634 S. 16TH ST PHOENIX, AZ 85034 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.09% |
| JOHNNY WEBSITE PRODUCTIONS LLC5 | 10 E. LA DIOSA DRIVE TEMPE, AZ 85282 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.06% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $908 | $908 | 0.05% |
| ODA CREATIVE PARTNERS5 | 212 N. SANGAMON ST SUITE 4G CHICAGO, IL 60607 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $275 | $275 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA, INC. | 16220 N SCOTTSDALE ROAD SCOTTSDALE, AZ 85254 | RELIASTAR LIFE INSURANCE COMPANY | $26K | — | $26K | 7.06% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET FL 8 BUFFALO, NY 14204 | RELIASTAR LIFE INSURANCE COMPANY | — | $5K | $5K | 1.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | UNITEDHEALTHCARE INSURANCE COMPANY | $44K | — | $44K | 30.45% |
| BENEPLACE, INC.3 Filed as: BENEPLACE | P.O. BOX 203550 AUSTIN, TX 78720 | METLIFE LEGAL PLANS | $4K | $840 | $4K | 12.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA, INC. | PO BOX 8500 S-6110 PHILADELPHIA, PA 19178 | METLIFE LEGAL PLANS | — | $92 | $92 | 0.25% |
| 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 | $280 | $19 | $299 | 16.04% |
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 | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 28 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,845 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 170 | $1.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,509 | $145K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 0 | $2.0M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 0 | $2.0M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 0 | $2.0M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 170 | $1.3M |
| Other(5 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,245 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,509 | — |
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 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.