| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | PO BOX 101162 PASADENA, CA 91189 | VISION SERVICE PLAN | $20K | — | $20K | 3.00% |
| AON CONSULTING INC3 Filed as: AON RISK INS SVCS WEST INC | 707 WILSHIRE BLVD, STE 2600 LOS ANGELES, CA 90017 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $80K | — | $80K | 15.00% |
| DAVID MESHULAM3 Filed as: DAVID REED | 801 S FIGUEROA ST, 7TH FLOOR LOS ANGELES, CA 90017 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $45K | — | $45K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | 200 LIBERTY STREET 7TH FLOOR NEW YORK, NY 10281 | NATIONAL UNION FIRE INS CO OF PITTSBURGH, PA | $56K | — | $56K | 25.00% |
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 | 8,447 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 52 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 52 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,551 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 3,861 | $663K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 5,485 | $4.8M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 5,485 | $4.4M |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 5,485 | $4.8M |
| Other(2 contracts) | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | 8,447 | $755K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,447 | — |
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.