| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $186K | $186K | 2.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | — | $36K | $36K | 1.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | 901 NORTH GLEBE ROAD ARLINGTON, VA 22203 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $183K | — | $183K | 14.97% |
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 | 35,419 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 433 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 35,852 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(19 contracts, 13 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. (CALIFORNIA) | 3,171 | $58.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 113 | $1.2M |
| Life insurance(3 contracts, 3 carriers) | SECURIAN LIFE INSURANCE COMPANY | 116,664 | $10.5M |
| Long-term disability(2 contracts) | THE STANDARD INSURANCE COMPANY | 19,449 | $10.6M |
| Prescription drug(3 contracts, 2 carriers) | BLUE CARE NETWORK OF MI | 1,943 | $15.9M |
| Other(4 contracts, 4 carriers) | SECURIAN LIFE INSURANCE COMPANY | 116,664 | $11.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116,664 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.