| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CTR CHICAGO, IL 606949000 | KAISER FOUNDATION HEALTH PLAN INC | $252K | — | $252K | 1.81% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | KAISER FOUNDATION HEALTH PLAN INC | $234K | — | $234K | 1.81% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | MEDICAL MUTAL | $171K | — | $171K | 1.96% |
| HEWITT INSURANCE BROKERAGE LLC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $97K | $20K | $117K | 2.20% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 606949000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $137K | — | $137K | 2.74% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | DELTA DENTAL OF OHIO | $112K | — | $112K | 2.55% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $72K | $72K | 2.42% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $51K | — | $51K | 1.86% |
| HEWITT INSURANCE BROKERAGE LLC3 Filed as: HEWITT INSURANCE BROKERAGE | 39030 TREASURY CENTER CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $8K | — | $8K | 0.38% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 606949000 | UNITEDHEALTHCARE INSURANCE COMPANY | $67K | — | $67K | 3.34% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | UPMC HEALTH OPTIONS | $25K | — | $25K | 1.83% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | EYEMED | $46K | — | $46K | 4.55% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $27K | — | $27K | 2.61% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | VISION SERVICE PLAN | $39K | — | $39K | 4.61% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 606949000 | HEALTH NET CA | $17K | — | $17K | 2.00% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | ALPHA DENTAL PROGRAMS, INC. | $5K | — | $5K | 2.78% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 606949000 | ALPHA DENTAL PROGRAMS, INC. | $405 | — | $405 | 0.22% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | EYEMED | $7K | — | $7K | 4.60% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $2K | — | $2K | 1.81% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 606949000 | DEAN HEALTH PLAN INC | $3K | — | $3K | 5.62% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | EYEMED | $2K | — | $2K | 4.54% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | EYEMED | $419 | — | $419 | 3.83% |
| HEWITT INSURANCE BROKERAGE LLC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | GEISINGER QUALITY OPTIONS, INC. | $188 | — | $188 | 2.00% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 606949000 | HEALTH NET OR | $165 | — | $165 | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 CONTRACT ADMINISTRATOR | Named fiduciary; Claims processing; Participant communication; Float revenue; Non-monetary compensation; Direct payment from the plan; Contract Administrator; Other services Service code 12 | — | $17.2M |
| ALIGHT SOLUTIONS EIN 82-1061233 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $6.5M |
| UNITEDHEALTHCARE EIN 36-2739571 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | — | $2.5M |
| AETNA LIFE INSURANCE CO EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | — | $2.2M |
| COMPSYCH EIN 36-3739783 CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator Service code 13 | — | $895K |
| ERNST & YOUNG EIN 34-6465596 ACCOUNTING | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $527K |
| EXPRESS SCRIPTS EIN 43-1420563 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | — | $288K |
| AON EIN 22-2232264 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $252K |
| AON CONSULTING EIN 22-2232264 CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | — | $252K |
| INTERNATIONAL BUSINESS MACHINES EIN 13-0871985 RCDKPG/INFO MGMT | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $55K |
| METLIFE EIN 13-5581829 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | — | $33K |
| MACY'S, INC. EIN 31-1397510 PLAN ADMINISTRATOR | Direct payment from the plan; Plan Administrator Service code 14 | — | $13K |
| MACY'S CREDIT & CUSTOMER SERVICES EIN 31-1397510 PLAN ADMINISTRATOR | Direct payment from the plan; Plan Administrator Service code 14 | — | $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 | 78,812 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10,184 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9,078 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 98,074 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(23 contracts, 19 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 7,546 | $68.4M |
| Dental(8 contracts, 7 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 9,891 | $17.9M |
| Vision(7 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 12,896 | $5.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 41,784 | $3.0M |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 237 | $3.3M |
| Other(5 contracts, 3 carriers) | TRIPLE S SALUD, INC. | 121,795 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121,795 | — |
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.