| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | AETNA LIFE INSURANCE COMPANY | — | $20K | $20K | 0.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $38K | $3K | $41K | 10.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | AETNA LIFE INSURANCE COMPANY | $24K | — | $24K | 16.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS. OF CA, INC. | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $376 | $12K | 10.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS. OF CA, INC. | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $270 | $2K | 11.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS. OF CA, INC. | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $394 | — | $394 | 17.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $6K | — |
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 | 1,415 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 2,516 | $14.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 2,516 | $4.7M |
| Vision | VISION SERVICE PLAN | 1,100 | $94K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,417 | $377K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 432 | $121K |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 2,516 | $14.2M |
| Other(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,417 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,516 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.