| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | SECURIAN LIFE INSURANCE COMPANY | — | $216K | $216K | 2.27% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | RELIASTAR LIFE INSURANCE COMPANY | $633K | $487K | $1.1M | 13.80% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | SECURIAN LIFE INSURANCE COMPANY | — | $85K | $85K | 2.27% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $342K | $29K | $370K | 14.95% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 10178 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $4K | $33K | 1.34% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $215K | $12K | $227K | 9.91% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | METLIFE LEGAL PLANS | — | $5K | $5K | 0.22% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $259K | $22K | $281K | 14.91% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 10178 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $3K | $24K | 1.30% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $256K | $21K | $278K | 14.91% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 10178 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $3K | $25K | 1.33% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | METROPOLITAN LIFE INSURANCE COMPANY | $274 | $238 | $512 | 28.41% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | METROPOLITAN LIFE INSURANCE COMPANY | $227 | $244 | $471 | 29.94% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | METROPOLITAN LIFE INSURANCE COMPANY | $214 | $240 | $454 | 39.48% |
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 | 34,231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 256 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 229 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 34,716 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 17,477 | $19.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 7,259 | $1.1M |
| Vision | VISION SERVICE PLAN | 26,789 | $5.5M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 34,195 | $13.3M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 28,487 | $8.1M |
| Other(7 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 34,383 | $17.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 34,383 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.