| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | 12505 PARK POTOMAC AVE SUITE 300 POTOMAC, MD 208546805 | KAISER FOUNDATION HEALTH PLAN INC. | $9K | — | $9K | 0.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS | 233 SOUTH WACKER DRIVE SUITE 2000 CHICAGO, IL 606066400 | RELIASTAR LIFE INSURANCE COMPANY | $409K | — | $409K | 19.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 12505 PARK POTOMAC AVE POTOMAC, MD 208546801 | RELIASTAR LIFE INSURANCE COMPANY | $230K | — | $230K | 10.80% |
| BSC AGENCY LLC3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 502653566 | RELIASTAR LIFE INSURANCE COMPANY | — | $85K | $85K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 12505 PARK POTOMAC AVE SUITE 300 POTOMAC, MD 20854 | AETNA LIFE INSURANCE CO. | $131K | — | $131K | 7.00% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF MARYLAND INC | — | GBG INSURANCE LIMITED | $27K | — | $27K | 9.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MD | 225 SCHILLING CIRCLE SUITE 150 HUNT VALLEY, MD 21031 | ARAG INSURANCE COMPANY | $26K | — | $26K | 10.00% |
| PR HEALTH EXCHANGE CORP3 | PO BOX 34097 FT BUCHANNAN GUAYNABO, PR 00934 | MCS LIFE INSURANCE COMPANY | $14K | — | $14K | 5.94% |
| REUBEN WARNER ASSOCIATES, INC.0 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $17K | $17K | 15.00% |
| WILLIS TOWERS WATSON US LLC0 | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | ZURICH AMERICAN INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.0 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $8K | $8K | 15.00% |
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 | 7,330 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,416 | $9.4M |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,416 | $7.4M |
| Vision(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,104 | $7.7M |
| Life insurance(4 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 3,480 | $3.6M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 3,480 | $1.9M |
| Prescription drug(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,416 | $9.4M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,989 | $643K |
| Other(7 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 7,479 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,479 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.