| 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 | — | $285K | $285K | 2.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28025 28025 NETWORK PL CHICAGO, IL 60673 | THE STANDARD INSURANCE COMPANY | $41K | — | $41K | 1.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $134K | — | $134K | 8.00% |
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 | 41,929 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,082 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 43,011 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(12 contracts, 10 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. (CALIFORNIA) | 4,011 | $77.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 105 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 130,148 | $10.6M |
| Long-term disability(3 contracts) | THE STANDARD INSURANCE COMPANY | 19,402 | $14.7M |
| Prescription drug(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MI | 1,800 | $26.3M |
| Other(4 contracts, 4 carriers) | SECURIAN LIFE INSURANCE COMPANY | 130,148 | $13.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130,148 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.