| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 100878852 | AETNA LIFE INSURANCE CO. | $58K | — | $58K | 3.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 21300 VICTORY BOULEVARD SUITE #635 WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE CO. | $12K | $34K | $46K | 2.74% |
| VANBRIDGE LLC3 | 1185 AVENUE OF THE AMERICAS 36 FLOOR NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $33K | — | $33K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | UNITEDHEALTHCARE INSURANCE COMPANY | $138K | — | $138K | 16.08% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 9811 KATY FWY STE 500 HOUSTON, TX 77024 | UNITEDHEALTHCARE INSURANCE COMPANY | $376 | — | $376 | 0.04% |
| VANBRIDGE LLC3 | 1185 AVENUE OF THE AMERICAS 36 FLOOR NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 3.00% |
| VANBRIDGE LLC3 | 1185 AVENUE OF THE AMERICAS 36 FLOOR NEW YORK, NY 10036 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 3.00% |
| VANBRIDGE LLC3 | 1185 AVENUE OF THE AMERICAS 36 FLOOR NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 3.00% |
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 | 12,227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 130 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 14,366 | $7.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 9,373 | $856K |
| Life insurance | AETNA LIFE INSURANCE CO. | 14,366 | $1.7M |
| Short-term disability(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,362 | $490K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,630 | $1.1M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 14,366 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,366 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.