| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | 4250 EXECUTIVE SQUARE, SUITE 900 LA JOLLA, CA 92037 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 0.19% |
| DAVID MESHULAM3 Filed as: DAVID C. REED | 801 S. FIGUEROA STREET, 7TH FLOOR LOS ANGELES, CA 90017 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $90K | — | $90K | 7.83% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731288 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 1.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | 4250 EXECUTIVE SQUARE, SUITE 900 LA JOLLA, CA 92037 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$39K | $2K | -$37K | -5.35% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 707 WILSHIRE BOULEVARD SUITE 2600 LOS ANGELES, CA 90017 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $34K | — | $34K | 20.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS NORTH AMERICA INC. | 200 LIBERTY STREET,7TH FLOOR NEW YORK, NY 102811003 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $14K | — | $14K | 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 | 5,685 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,719 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,237 | $690K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 5,972 | $6.0M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 5,972 | $4.8M |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 5,972 | $6.0M |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 5,972 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,972 | — |
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.