| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IA 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALIGHT SOLUTIONS LLC EIN 82-1061233 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $19.1M |
| VIRGIN PULSE, INC. EIN 20-2547480 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $2.7M |
| PARTNERCOMM, INC. EIN 75-2541310 NONE | Direct payment from the plan; Other services Service code 49 | — | $1.4M |
| TOWERS WATSON DELAWARE INC. EIN 23-1159360 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $1.2M |
| AON CONSULTING, INC. EIN 36-2235791 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $1.2M |
| HEALTH ADVOCATE EIN 23-3080019 NONE | Other services; Direct payment from the plan Service code 49 | — | $1.2M |
| RTX CORPORATION EIN 06-0570975 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $842K |
| BENEFITFOCUS EIN 57-1099948 NONE | Direct payment from the plan; Other services Service code 49 | — | $381K |
| IBM CORPORATION EIN 13-0871985 NONE | Other services; Direct payment from the plan Service code 49 | — | $266K |
| TIGERPRESS EIN 04-3059252 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $174K |
| DATA BASED DEVELOPMENT SYSTEMS EIN 06-1202737 NONE | Other services; Direct payment from the plan Service code 49 | — | $152K |
| H ENGAGE, INC. EIN 27-4859742 NONE | Other services; Direct payment from the plan Service code 49 | — | $132K |
| LAND GRAPHICS INC EIN 93-0835177 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $130K |
| DOCTORS ON DEMAND EIN 46-1326978 NONE | Direct payment from the plan; Other services Service code 49 | — | $79K |
| JP MORGAN EIN 13-4994650 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $34K |
| SUSAN BANKS CONSULTING LLC NONE | Direct payment from the plan; Consulting (general) Service code 16 | 19 THE CROSSWAYS WEST HARTFORD, CT 06117 | $20K |
| BEACON HEALTH OPTIONS EIN 54-1414194 NONE | Other services; Direct payment from the plan Service code 49 | — | $12K |
| ROSA BARONE NONE | Direct payment from the plan; Consulting (general) Service code 16 | 319 S. ANISE STREET ANAHEIM, CA 92808 | $12K |
| PRINCE COMMUNICATIONS EIN 02-0390154 NONE | Direct payment from the plan; Other services Service code 49 | — | $11K |
| SCRIPTCLAIM SYSTEMS LLC EIN 47-3403109 NONE | Direct payment from the plan; Other services Service code 49 | — | $9K |
| GRANT THORNTON EIN 36-6055558 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $8K |
| WA STATE TREASURER EMPLOYMENT DEPT NONE | Direct payment from the plan; Other services Service code 49 | PO BOX 84249 SEATTLE, WA 98124 | $7K |
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 | 125,600 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,075 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130,675 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 4,992 | $48.2M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 976 | $11.5M |
| Vision | VISION SERVICE PLAN | 128,255 | $21.7M |
| Life insurance(6 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 113,175 | $68.8M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 56,848 | $18.8M |
| Other(8 contracts, 4 carriers) | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | 125,678 | $12.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128,255 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.