| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA | PO BOX 101162 PASADENA, CA 91189 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $339K | $10K | $349K | 2.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA | PO BOX 101162 PASADENA, CA 91189 | CIGNA HEALTHCARE OF CALIFORNIA, INC. | $249K | — | $249K | 2.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | UNITED CONCORDIA INSURANCE COMPANY | $120K | $9K | $129K | 5.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS | PO BOX 101162 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $112K | $14K | $127K | 5.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS RISK INS OF SD | 4250 EXECUTIVE SQ, STE 250 LA JOLLA, CA 92037 | AETNA LIFE INSURANCE COMPANY | $72K | — | $72K | 4.24% |
| THE BOON INSURANCE AGENCY3 Filed as: THE BOON INS AGENCY INC | 6300 BRIDGEPOINT PKWY, BLDG 3 STE 500 AUSTIN, TX 78730 | AETNA LIFE INSURANCE COMPANY | $22K | — | $22K | 1.26% |
| THE BOON INSURANCE AGENCY3 Filed as: THE BOON INS AGENCY INC | 6300 BRIDGEPOINT PKWY, BLDG 3 STE 500 AUSTIN, TX 78730 | ACE COMPANIES | $120K | — | $120K | 12.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CA | PO BOX 101162 PASADENA, CA 91189 | ACE COMPANIES | $60K | — | $60K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS RISK & INS SVCS OF SD | 4250 EXECUTIVE SQ, STE 250 LA JOLLA, CA 92037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $48K | — | $48K | 4.88% |
| TRISH L RYAN3 | 440 D AVENUE CORONADO, CA 92118 | HMAA | $5K | — | $5K | 0.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $31 | $5K | 4.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS RISK & INS OF SD | 4250 EXECUTIVE SQ, STE 250 LA JOLLA, CA 92037 | MONUMENTAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS | PO BOX 101162 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $135 | $9K | 15.23% |
| THE BOON INSURANCE AGENCY3 Filed as: THE BOON INS AGENCY INC | 6300 BRIDGEPOINT PKWY, BLDG 3 STE 500 AUSTIN, TX 78730 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 14.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CA | PO BOX 101162 PASADENA, CA 91189 | TRANSAMERICA LIFE INSURANCE COMPANY | $391 | — | $391 | 2.24% |
| LTCI PARTNERS LLC3 | 2924 MARKETPLACE DR, STE 102 MADISON, WI 53719 | GENWORTH LIFE INSURANCE COMPANY | $1K | — | $1K | 10.97% |
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 | 8,232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 167 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 7 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,833 | $29.0M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 3,001 | $3.4M |
| Vision(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,833 | $15.3M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 8,232 | $2.9M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 8,232 | $2.2M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 8,232 | $2.2M |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,833 | $14.3M |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 8,232 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,232 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.