| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | 801 S FIGUEROA ST, STE 700 LOS ANGELES, CA 90017 | AETNA LIFE INSURANCE COMPANY | $122K | — | $122K | 5.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF LA | P.O. BOX 101162 PASADENA, CA 91189 | BLUE CROSS AND BLUE SHIELD OF VERMONT | $63K | — | $63K | 3.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | P.O. BOX 101162 PASADENA, CA 91189 | CAREFIRST BLUE CHOICE | $62K | $70 | $62K | 3.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | PO BOX 101162 PASADENA, CA 91189 | KAISER FOUNDATION HEALTH PLAN INC | $66K | — | $66K | 4.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | 801 S FIGUEROA ST, STE 700 LOS ANGELES, CA 90017 | AETNA INTERNATIONAL | $57K | $15K | $72K | 7.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | 801 S. FIGUEROA STREET, SUITE 700 LOS ANGELES, CA 90017 | BLUE CROSS AND BLUE SHIELD OF MONTANA | $12K | — | $12K | 2.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | 801 S FIGUEROA ST LOS ANGELES, CA 90017 | AETNA HEALTH, INC. | $11K | — | $11K | 5.23% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 5110 N 40TH ST PHOENIX, AZ 85018 | AETNA HEALTH, INC. | $3K | — | $3K | 1.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORPORATION OF M.A. | 3 COPLEY PL, STE 300 BOSTON, MA 02116 | AETNA HEALTH, INC. | — | $375 | $375 | 0.18% |
| ACRISURE LLC3 Filed as: FULCRO INSURANCE | PO BOX 9024048 SAN JUAN, PR 00902 | HUMANA INSURANCE OF PUERTO RICO, INC | $4K | — | $4K | 6.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | LOCKBOX #100485 BANK ONE, DEPT 100485 PASADENA, CA 91189 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $2K | — | $2K | 3.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SERVICE OF CA INC | 345 CALIFORNIA STREET, 14TH FLOOR SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $2K | — | $2K | 4.35% |
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 | 849 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 866 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(16 contracts, 15 carriers) | AETNA LIFE INSURANCE COMPANY | 335 | $10.5M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 335 | $3.2M |
| Vision(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 335 | $5.1M |
| Life insurance | HUMANA INSURANCE OF PUERTO RICO, INC | 21 | $65K |
| Prescription drug(13 contracts, 13 carriers) | BLUE CROSS AND BLUE SHIELD OF VERMONT | 335 | $8.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.