| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS TOWERS WATSON US LLC. | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $118K | — | $118K | 4.93% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $33K | $33K | 2.19% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS TOWERS WATSON US LLC. | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $6K | — | $6K | 1.36% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS TOWERS WATSON US LLC. | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $7K | $6K | $14K | 3.71% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE COMPANY | — | $4K | $4K | 1.38% |
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 | 4,095 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 36 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 441 | $4.0M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 582 | $433K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 3,160 | $786K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,712 | $1.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,712 | $370K |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 441 | $3.7M |
| Other(2 contracts, 2 carriers) | JOHN HANCOCK LIFE INSURANCE COMPANY USA (JHUSA) | 4,096 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,712 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.