| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | 2055 GATEWAY PLACE SUITE 400 SAN JOSE, CA 95110 | AETNA LIFE INSURANCE CO. | $125K | — | $125K | 5.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | 2055 GATEWAY PL STE 450 SAN JOSE, CA 95110 | KAISER FOUNDATION HEALTH PLAN INC | $24K | — | $24K | 4.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA | 525 MARKET ST STE 3400 SAN FRANCISCO, CA 94105 | HARTFORD LIFE AND ACCIDENT | $21K | — | $21K | 9.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA | PO BOX 101162 PASADENA, CA 91189 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 2.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | 2055 GATEWAY PLACE SUITE 400 SAN JOSE, CA 95110 | AETNA HEALTH, INC. | $8K | — | $8K | 4.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | VISION SERVICE PLAN | $2K | — | $2K | 3.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | PO BOX 101162 PASADENA, CA 91189 | CONCERN EAP | $300 | — | $300 | 5.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $150 | — | $150 | 20.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST SUITE 1200 SAN FRANCISCO, CA 94111 | FEDERAL INSURANCE COMPANY | $113 | — | $113 | 15.07% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 318 | $3.3M |
| Dental | AETNA LIFE INSURANCE CO. | 318 | $2.5M |
| Vision | VISION SERVICE PLAN | 143 | $47K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 318 | $2.7M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 155 | $226K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 155 | $226K |
| Prescription drug(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 318 | $3.3M |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 318 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.