| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC. | $67K | — | $67K | 0.39% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $142K | $48K | $190K | 5.04% |
| WILLIS TOWERS WATSON US LLC4 | PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC. | $7K | — | $7K | 0.37% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $26K | — | $26K | 3.26% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | DELTA DENTAL OF CALIFORNIA | $2K | — | $2K | 1.50% |
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 | 6,212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 116 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 90 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 2,660 | $19.4M |
| Dental | DELTA DENTAL OF CALIFORNIA | 810 | $126K |
| Vision | VISION SERVICE PLAN | 4,730 | $795K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 6,165 | $3.8M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 6,165 | $3.8M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 6,165 | $3.8M |
| Prescription drug(3 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 2,660 | $19.4M |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 8,488 | $7.8M |
| Other(3 contracts, 3 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 8,488 | $11.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,488 | — |
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.