| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852P NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN INC | $25K | — | $25K | 0.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $81K | — | $81K | 2.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | PO BOX 203383 DALLAS, TX 753203381 | STANDARD INSURANCE COMPANY | $73K | — | $73K | 2.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | PO BOX 203383 DALLAS, TX 753203381 | STANDARD INSURANCE COMPANY | -$1K | — | -$1K | -0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA | 21250 HAWTHORNE BLVD SUITE 600 TORRANCE, CA 90503 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $74K | — | $74K | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA | PO BOX 601478 CHARLOTTE, NC 282601478 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 1.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852P NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 0.52% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $29K | — | $29K | 5.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 1350 TREAT BOULEVARD SUITE 500 WALNUT CREEK, CA 94597 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $13K | — | $13K | 10.00% |
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 | 7,051 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 103 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 928 | $6.1M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 29 | $656K |
| Vision | MCS LIFE INSURANCE COMPANY | 22 | $116K |
| Life insurance | STANDARD INSURANCE COMPANY | 7,137 | $3.0M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,306 | $2.5M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,306 | $2.5M |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 928 | $6.1M |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 7,137 | $668K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,306 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.