| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | ANTHEM BLUE CROSS | $362K | — | $362K | 0.51% |
| FRED MAXWELL - ACIUS GROUP3 Filed as: FRED THOMAS MAXWELL | 2591 DALLAS PARKWAY, SUITE 203 FRISCO, TX 75034 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $255K | $8K | $263K | 7.97% |
| FRED MAXWELL - ACIUS GROUP3 Filed as: FRED T MAXWELL II | 2591 DALLAS PARKWAY STE 203 FRISCO, TX 75034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $222K | — | $222K | 7.59% |
| FRED MAXWELL - ACIUS GROUP3 Filed as: FRED T MAXWELL II | 2591 DALLAS PKWY STE 203 FRISCO, TX 75034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 3.00% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE | PO BOX 8500 PHILADELPHIA, PA 19178 | DELTA DENTAL OF CALIFORNIA | $25K | — | $25K | 3.00% |
| ACIUS CONSULTING GROUP3 Filed as: ACIUS | 2591 DALLAS PARKWAY SUITE 203 FRISCO, TX 75034 | HYATT LEGAL PLANS | $20K | — | $20K | 5.83% |
| VERITYPOINT LLC3 | 1000 WILSHIRE BLVD STE 1830 LOS ANGELES, CA 90017 | HYATT LEGAL PLANS | $14K | — | $14K | 4.17% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON PENNSYLVANIA INC | PO BOX 9102 PHILADELPHIA, PA 191788500 | HYATT LEGAL PLANS | — | $42 | $42 | 0.01% |
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 | 13,468 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 109 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,202 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,779 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | ANTHEM BLUE CROSS | 7,753 | $86.7M |
| Dental | DELTA DENTAL OF CALIFORNIA | 4,488 | $841K |
| Vision | VISION SERVICE PLAN | 8,964 | $1.5M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,734 | $4.0M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 13,323 | $3.3M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 13,323 | $3.3M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,734 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,323 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.