| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - NC | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC | $206K | — | $206K | 1.53% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 0.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - NEWARK NJ | 29840 NETWORK PL CHICAGO, IL 60673 | UNITEDHEALTHCARE INSURANCE COMPANY | $69K | — | $69K | 1.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | ADMINISTRATION LLC PO BOX 310072 DES MOINES, IA 503310072 | VISION SERVICE PLAN | $56K | — | $56K | 1.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH, INC. | 3565 PIEDMONT RD NE SUITE 700 ATLANTA, GA 30305 | MVP HEALTH CARE | $60K | — | $60K | 2.97% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC.- IL | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC | $17K | — | $17K | 1.17% |
| HM LIFE INSURANCE COMPANY3 | 120 FIFTH AVENUE PITTSBURGH, PA 15222 | DAVIS VISION | $23K | — | $23K | 5.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | HEALTHSPAN INTEGRATED CARE | $15K | — | $15K | 8.40% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | ADMINISTRATION LLC PO BOX 310072 DES MOINES, IA 503310072 | VISION SERVICE PLAN | $1K | — | $1K | 1.00% |
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 | 56,976 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16,651 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 73,627 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 2,870 | $26.8M |
| Dental(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 326 | $2.6M |
| Vision(3 contracts, 2 carriers) | VISION SERVICE PLAN | 29,825 | $6.2M |
| Life insurance(7 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 57,780 | $23.2M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 53,314 | $14.0M |
| Other(8 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 66,573 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 66,573 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.