| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 US NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $158K | $158K | 2.35% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $56K | $56K | 1.24% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 US NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $39K | $39K | 2.26% |
| NIKE, INC.3 | ONE BOWERMAN DRIVE BEAVERTON, OR 97005 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $50K | $50K | 6.43% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 1.21% |
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 | 37,863 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,410 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 39,273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 3,186 | $19.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 195 | $3.8M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 38,961 | $6.7M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 25,850 | $4.8M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 25,850 | $4.5M |
| Other(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 37,097 | $7.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 38,961 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.