| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | CALIFORNIA PHYSICIANS' SERVICE | $94K | $757K | $850K | 0.93% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $230K | $38K | $268K | 3.49% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $221K | $157K | $379K | 5.13% |
| SURVIVOR OUTREACH SERVICES3 | 2591 DALLAS PARKWAY SUITE 203 FRISCO, TX 75034 | SECURIAN LIFE INSURANCE COMPANY | — | $24K | $24K | 0.33% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX #28852 P.O. BOX 28852 NEW YORK, NY 10087 | DENTEGRA INSURANCE COMPANY | $13K | — | $13K | 3.50% |
| DELTA DENTAL OF WASHINGTON3 | 400 FAIRVIEW AVE. N. SUITE 800 SEATTLE, WA 98109 | DENTEGRA INSURANCE COMPANY | $6K | — | $6K | 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 | 21,623 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 179 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,802 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 19,923 | $91.6M |
| Dental | DENTEGRA INSURANCE COMPANY | 1,748 | $373K |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 28,263 | $7.4M |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $1.0M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $7.7M |
| Other(2 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 28,263 | $7.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,263 | — |
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.