| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 16220 N SCOTTSDALE ROAD SCOTTSDALE, AZ 85254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $442K | $25K | $467K | 9.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLS TOWERS WATSON INS SVCS WEST | 801 S FIGUEROA ST #800 LOS ANGELES, CA 90017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $163K | — | $163K | 3.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | PO BOX 101162 PASEDENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $62K | — | $62K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | PO BOX 101162 PASADENA, CA 91189 | CIGNA HEALTHCARE OF CALIFORNIA | $259K | — | $259K | 21.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CALIFORNIA | 4250 EXECUTIVE SQUARE STE 250 LA JOLLA, CA 92037 | AETNA LIFE INSURANCE COMPANY | $50K | — | $50K | 4.31% |
| THE BOON INSURANCE AGENCY3 Filed as: THE BOON INSURANCE AGENCY INC. | 6300 BRIDGEPOINT PKWY, BLDG 3 STE 500 AUSTIN, TN 78730 | AETNA LIFE INSURANCE COMPANY | $24K | — | $24K | 2.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | 4250 EXECUTIVE SQUARE FLOOR 9 LA JOLLA, CA 92037 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $39K | — | $39K | 4.99% |
| TRISH L RYAN3 | 440 D AVENUE CORONADO, CA 92118 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $3K | — | $3K | 0.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | P.O. BOX 101162 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | P.O. BOX 101162 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | P.O. BOX 101162 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | P.O. BOX 101162 PASADENA, CA 91189 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $5K | — | $5K | 4.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | P.O. BOX 101162 PASADENA, CA 91189 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $92 | $5K | 5.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS RISK & INSURANCE | 4250 EXECUTIVE SQUARE STE 250 LA JOLLA, CA 92037 | MONUMENTAL LIFE INSURANCE COMPANY | $5K | — | $5K | 5.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | P.O. BOX 101162 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | P.O. BOX 101162 PASADENA, CA 91189 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $1K | — | $1K | 4.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | P.O. BOX 101162 PASADENA, CA 91189 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $1K | — | $1K | 4.63% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PKWY AUSTIN, TX 78730 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CALIFORNIA | 4250 EXECUTIVE SQUARE STE 250 LA JOLLA, CA 92037 | TRANSAMERICA LIFE INSURANCE COMPANY | $614 | — | $614 | 3.19% |
| LTCI PARTNERS LLC3 | 100 FIELD DRIVE, SUITE 310 LAKE FOREST, IL 60045 | GENWORTH LIFE INSURANCE COMPANY | $1K | — | $1K | 10.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | P.O. BOX 101162 PASADENA, CA 91189 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $64 | — | $64 | 0.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | P.O. BOX 101162 PASADENA, CA 91189 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $267 | — | $267 | 4.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | P.O. BOX 101162 PASADENA, CA 91189 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $222 | — | $222 | 5.38% |
| THE BOON INSURANCE AGENCY3 Filed as: THE BOON INSURANCE AGENCY INC. | 6300 BRIDGEPOINT PKWY, BLDG 3 STE 500 AUSTIN, TN 78730 | ACE COMPANIES | $410 | — | $410 | 12.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CALIFORNIA | 4250 EXECUTIVE SQUARE STE 250 LA JOLLA, CA 92037 | ACE COMPANIES | $205 | — | $205 | 6.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | P.O. BOX 101162 PASADENA, CA 91189 | CIGNA DENTAL HEALTH OF COLORADO | $83 | — | $83 | 4.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | P.O. BOX 101162 PASADENA, CA 91189 | CIGNA DENTAL OF PENNSYLVANIA, INC. | $64 | — | $64 | 3.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | P.O. BOX 101162 PASADENA, CA 91189 | CIGNA DENTAL HEALTH OF OHIO, INC. | $85 | — | $85 | 4.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | P.O. BOX 101162 PASADENA, CA 91189 | CIGNA DENTAL HEALTH OF KANSAS, INC. | $123 | — | $123 | 5.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | P.O. BOX 28852 NEW YORK, NY 10087 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $225 | — | $225 | 15.00% |
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 | 8,715 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 81 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,796 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 8 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 7,217 | $8.7M |
| Dental(11 contracts, 11 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 7,217 | $5.3M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 7,217 | $5.5M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,246 | $1.6M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,686 | $264K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,477 | $326K |
| Prescription drug(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 7,217 | $6.7M |
| Other(6 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 8,715 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,715 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.