| 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 | $80K | $45K | $126K | 6.25% |
| 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 | — | $12K | $12K | 0.94% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $51K | $29K | $80K | 6.25% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $12K | $7K | $19K | 6.24% |
| 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 | — | $2K | $2K | 2.83% |
| 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 | — | $127 | $127 | 3.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PREMERA EIN 91-0499247 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $3.5M |
| AETNA EIN 06-6033492 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $2.2M |
| HEWITT ASSOCIATES EIN 36-2235791 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $1.1M |
| DELTA DENTAL EIN 91-0621480 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $514K |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $506K |
| VISION SERVICE PLAN EIN 22-2586639 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $137K |
| MOSS ADAMS LLP EIN 91-0189318 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $38K |
| WELLS FARGO EIN 94-1347393 NONE | Shareholder servicing fees; Distribution (12b-1) fees; Trustee (bank, trust company, or similar financial institution); Other fees Service code 21 | — | $10K |
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 | 10,043 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 192 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 305 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HMSA - BCBS OF HAWAII | 296 | $1.8M |
| Life insurance(3 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 10,015 | $3.6M |
| Short-term disability(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 170 | $94K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPNAY | 9,004 | $1.3M |
| Other(3 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 10,015 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,015 | — |
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.