| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $222K | $222K | 1.09% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $31K | $31K | 1.06% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $256K | $96K | $352K | 13.84% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $55K | — | $55K | 2.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US LLC(NY) | 400 NORTH EXECUTIVE DRIVE SUITE 300 BROOKFIELD, WI 53005 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | — | $2K | $2K | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4 RADNOR CORPORATE CENTER RADNOR, PA 19087 | AETNA INTERNATIONAL | $17K | — | $17K | 1.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 4 RADNOR CORPORATE CENTER RANDOR, PA 19087 | AETNA LIFE INSURANCE COMPANY | $9K | — | $9K | 2.02% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $41K | $41K | 10.41% |
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 | 78,020 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 78,020 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 4,354 | $47.9M |
| Dental(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 30,980 | $14.4M |
| Vision(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 72,294 | $10.2M |
| Life insurance(3 contracts) | SECURIAN LIFE INSURANCE COMPANY | 189,585 | $23.6M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 47,381 | $8.1M |
| Prescription drug | AETNA INTERNATIONAL | 190 | $974K |
| Other(2 contracts, 2 carriers) | METLIFE LEGAL PLANS | 18,553 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189,585 | — |
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.