| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 1600 SUMMER STREET SUITE 6 STAMFORD, CT 06905 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $0 | $14K | 5.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC | PO BOX 416672 BOSTON, MA 022416672 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $430 | $2K | 0.68% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | PO BOX 905494 CHARLOTTE, NC 282905494 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | $0 | $5K | 3.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | 3 COPLEY PLACE SUITE 300 BOSTON, MA 02116 | KAISER FOUNDATION HEALTH PLAN INC. | $346 | $0 | $346 | 0.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 199 WATER STREET 12TH FLOOR NEW YORK, NY 10038 | FEDERAL INSURANCE COMPANY | $567 | $0 | $567 | 19.99% |
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 | 333 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SELECTHEALTH | 172 | $935K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 683 | $239K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 683 | $239K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 683 | $239K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 683 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 683 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.