| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 920 MEMORIAL CITY WAY #500 HOUSTON, TX 77024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $209K | — | $209K | 10.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 12505 PARK POTOMAC AVE STE 300 POTOMAC, MD 20854 | KAISER FOUNDATION HEALTH PLAN INC. | $54K | — | $54K | 3.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 801 SOUTH FIGUEROA ST SUITE 800 LOS ANGELES, CA 90017 | TUFTS ASSOCIATED HEALTH MAINTANANCE ORG., INC. | $17K | — | $17K | 1.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TX (WILLIS TOWERS WATSON) | 920 MEMORIAL CITY WAY SUITE 500 HOUSTON, TX 77024 | TUFTS ASSOCIATED HEALTH MAINTANANCE ORG., INC. | $10K | — | $10K | 0.80% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $46K | — | $46K | 11.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 4211 W BOY SCOUT BLVD SUITE 1000 TAMPA, FL 33607 | TRANSAMERICA LIFE INSURANCE COMPANY | $24K | — | $24K | 6.12% |
| DAVID D HOWES3 | 2461 W STATE RD 426 SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | — | $11K | 2.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO INC | 62877 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $2K | — | $2K | 1.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 62877 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $1K | — | $1K | 0.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 101162 PASADENA, CA 91189 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 3.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | 4250 EXECUTIVE SQUARE SUITE 250 LA JOLLA, CA 92037 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 2.16% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 W STATE RD 426 SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 17.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 4211 W BOY SCOUT BLVD STE 1000 TAMPA, FL 33607 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 8.60% |
| DAVID D HOWES3 | 2461 W STATE RD 426 SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $387 | — | $387 | 2.58% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 18.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 4211 W BOY SCOUT BLVD SUITE 1000 TAMPA, FL 33607 | TRANSAMERICA LIFE INSURANCE COMPANY | $702 | — | $702 | 8.68% |
| DAVID D HOWES3 | 2461 W STATE RD 426 STE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $139 | — | $139 | 1.72% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $620 | — | $620 | 18.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 4211 W BOY SCOUT BLVD SUITE 1000 TAMPA, FL 33607 | TRANSAMERICA LIFE INSURANCE COMPANY | $317 | — | $317 | 9.56% |
| DAVID D HOWES3 | 2461 W STATE RD 426 SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $119 | — | $119 | 3.59% |
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 | 1,986 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 415 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 48 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 157 | $2.7M |
| Dental | AETNA LIFE INSURANCE CO. | 505 | $95K |
| Vision | VISION SERVICE PLAN | 1,970 | $177K |
| Life insurance(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,440 | $2.4M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,440 | $2.0M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,440 | $2.0M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 157 | $2.7M |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,440 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,970 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.