| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 425 MARKET STREET, SUITE 2800 SAN FRANCISCO, CA 94105 | CIGNA HEALTHCARE OF CALIFORNIA | $20K | — | $20K | 0.32% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $41K | $6K | $47K | 2.29% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 425 MARKET STREET, SUITE 2800 SAN FRANCISCO, CA 94105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $66K | — | $66K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $3K | $14K | 2.58% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 425 MARKET STREET, SUITE 2800 SAN FRANCISCO, CA 94105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | — | $21K | 9.67% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $646 | $3K | 2.58% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 425 MARKET STREET SAN FRANCISCO, CA 94105 | NATIONAL UNION FIRE INS. CO OF PITTSBURGH, PA | $4K | — | $4K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 425 MARKET STREET, SUITE 2800 SAN FRANCISCO, CA 94105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $715 | — | $715 | 9.99% |
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 | 3,796 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 609 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 117 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,522 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 1,640 | $17.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 7 | $219K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 3,415 | $1.1M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,525 | $2.0M |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,498 | $554K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 1,640 | $10.4M |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,769 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,525 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.