| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $66K | $37K | $103K | 6.28% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $40K | $23K | $62K | 6.29% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPNAY | $0 | $12K | $12K | 1.22% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $10K | $6K | $16K | 6.27% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.20% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX #28852 PO BOX 28852 NEW YORK, NE 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $163 | $163 | 3.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PREMERA EIN 91-0499247 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $2.8M |
| AETNA EIN 06-6033492 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $1.9M |
| HEWITT ASSOCIATES EIN 36-2235791 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $965K |
| DELTA DENTAL EIN 91-0621480 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $421K |
| MEDCO EIN 22-3461740 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $367K |
| VSP EIN 22-2586639 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $106K |
| MOSS ADAMS LLP EIN 91-0189318 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $42K |
| WELLS FARGO EIN 94-1347393 NONE | Distribution (12b-1) fees; Trustee (bank, trust company, or similar financial institution); Shareholder servicing fees; Other fees Service code 21 | — | $17K |
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 | 7,363 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 269 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 283 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,915 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HMSA - BCBS OF HAWAII | 299 | $1.8M |
| Life insurance(3 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 8,073 | $2.9M |
| Short-term disability(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 157 | $88K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPNAY | 6,271 | $981K |
| Other(3 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 8,073 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,073 | — |
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."
No prospect flags tripped on this filing.