| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING WORLDWIDE INC CONTRT | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTHCARE OF CALIFORNIA | $7K | — | $7K | 0.33% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $34K | — | $34K | 2.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 2.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 7.33% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.00% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SVCS WEST INC | 425 MARKET ST. SUITE 2800 SAN FRANCISCO, CA 94105 | NATIONAL UNION FIRE INS. CO OF PITTSBURGH, PA | $6K | — | $6K | 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 | 3,652 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 201 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,853 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 724 | $7.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $185K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 3,226 | $1.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,552 | $1.7M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,547 | $606K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 724 | $5.6M |
| Other(3 contracts, 3 carriers) | COMPSYCH | 9,858 | $317K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,858 | — |
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.