| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA INC. | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | BLUE CROSS OF CALIFORNIA | $109K | — | $109K | 3.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA INC. | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | KAISER FOUNDATION HEALTH PLAN INC | $26K | — | $26K | 3.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA INC. | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $22K | $5K | $27K | 12.20% |
| COMPSYCH5 | 455 N CITYFRONT PLAZA DR, 13TH FL CHICAGO, IL 90611 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 1.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA INC. | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | DELTA DENTAL OF CALIFORNIA | $8K | — | $8K | 4.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA INC. | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | EYEMED VISION CARE | $3K | — | $3K | 10.86% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. ROCKVILLE, MD 20855 | EYEMED VISION CARE | $519 | $519 | $1K | 4.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA INC. | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | DELTA DENTAL OF CALIFORNIA | $768 | — | $768 | 4.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA INC. | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | AETNA LIFE INSURANCE CO. | $6K | — | $6K | 35.89% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1 INVESTORS WAY NORWOOD, MA 02062 | AETNA LIFE INSURANCE CO. | -$5K | — | -$5K | -30.30% |
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 | 282 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 144 | $3.9M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 173 | $225K |
| Vision | EYEMED VISION CARE | 316 | $24K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 282 | $219K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 282 | $219K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 144 | $3.9M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 282 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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.