| 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 | $169K | — | $169K | 2.04% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $73K | $73K | 1.66% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $259K | $33K | $292K | 14.72% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NC 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $164K | $21K | $185K | 14.66% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $0 | $2K | $2K | 0.23% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $0 | $3K | $3K | 1.74% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NC 10087 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $0 | $1K | $1K | 1.58% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $0 | $855 | $855 | 1.65% |
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 | 18,410 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,730 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,417 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,557 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 17,884 | $13.9M |
| Dental(6 contracts, 5 carriers) | AETNA LIFE INSURANCE CO | 11,865 | $15.8M |
| Vision(7 contracts, 4 carriers) | VISION SERVICE PLAN | 9,889 | $3.5M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 43,448 | $8.3M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 18,503 | $4.4M |
| Prescription drug(9 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,468 | $10.7M |
| Other(4 contracts, 3 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 20,335 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 43,448 | — |
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."
No prospect flags tripped on this filing.