| 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 | $0 | $218K | $218K | 1.02% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $0 | $34K | $34K | 0.98% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $252K | $20K | $272K | 9.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | 1 UPPER POND RD BLDG F PARSIPPANY, NJ 07054 | METLIFE LEGAL PLANS | $0 | $7K | $7K | 0.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WATSON WYATT & COMPANY | 901 N. GLEBE ROAD ARLINGTON, VA 22203 | METLIFE LEGAL PLANS | $0 | $3K | $3K | 0.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $0 | $63 | $63 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $0 | $38K | $38K | 10.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4 RADNOR CORPORATE CENTER RADNOR, PA 19087 | AETNA INTERNATIONAL | $8K | $8K | $16K | 4.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC., | 1050 CROWN POINTE PKWY ATLANTA, GA 030338770 | AETNA LIFE INSURANCE CO. | $8K | $9K | $18K | 5.98% |
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 | 65,241 | 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) | 65,241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 3,900 | $52.5M |
| Dental(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 14,950 | $6.8M |
| Vision(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 56,290 | $6.4M |
| Life insurance(3 contracts) | SECURIAN LIFE INSURANCE COMPANY | 165,213 | $25.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 43,147 | $10.2M |
| Prescription drug | AETNA INTERNATIONAL | 100 | $355K |
| Other(2 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 35,988 | $6.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165,213 | — |
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.