| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | RELIASTAR LIFE INSURANCE COMPANY | $163K | $0 | $163K | 1.96% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $67K | $67K | 1.40% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $464K | $9K | $473K | 28.24% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $604K | $12K | $616K | 55.37% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $269K | $5K | $274K | 28.15% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | — | $2K | $2K | 0.28% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | — | $1K | $1K | 0.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | INSURANCE SERVICES WEST, INC. PO BOX 731739 DALLAS, TX 753731739 | METLIFE LEGAL PLANS | — | $840 | $840 | 0.14% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | — | $63 | $63 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $1K | $1K | 0.49% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $63 | $63 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $2K | $2K | 1.83% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | — | $2K | $2K | 1.77% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | — | $823 | $823 | 1.85% |
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 | 17,521 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 696 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 344 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,561 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 7,313 | $14.5M |
| Dental(7 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 19,522 | $13.9M |
| Vision(7 contracts, 4 carriers) | EYEMED VISION CARE | 9,381 | $3.4M |
| Life insurance(3 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 41,356 | $11.0M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 17,158 | $4.8M |
| Prescription drug(9 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,421 | $13.4M |
| Other(5 contracts, 4 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 20,150 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 41,356 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.