| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | ONE WORLD FINANCIAL CTR FL 621 NEW YORK, NY 10281 | KAISER FOUNDATION HEALTH PLAN INC | $12K | — | $12K | 0.94% |
| BSC AGENCY LLC3 | 1025 ASHWORTH ROAD, STE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $19K | $19K | 2.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 1 WORLD FINANCIAL CENTER 200 LIBERTY ST. 6TH FL NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 0.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | ONE WORLD FINANCIAL CTR FL 621 NEW YORK, NY 10281 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 1.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC., HRH | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST, FL. 6 NEW YORK, NY 10281 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 4.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 1 WORLD FINANCIAL CTR 200 LIBERTY ST FL 6 NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | $84K | $4K | $88K | 37.11% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD, STE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 2.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 4 CHASE METROTECH CTR BROOKLYN, NY 11245 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 9.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 1 WORLD FINANCIAL CENTER 200 LIBERTY ST, FL.6 NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $2K | $23K | 20.45% |
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 | 3,619 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 94 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,716 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 210 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,683 | $851K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,973 | $119K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 3,628 | $457K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 3,628 | $457K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 3,628 | $457K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 210 | $1.8M |
| Other(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,628 | $808K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,628 | — |
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.