| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $55 | $55 | 0.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $33K | $33K | 1.36% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $55 | $55 | 0.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $55 | $55 | 0.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PL CHICAGO, IL 60673 | CIGNA LIFE INSURANCE CO OF NY | — | $49K | $49K | 4.31% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $32 | $32 | 0.00% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $14K | $14K | 1.44% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $55 | $55 | 0.01% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PL CHICAGO, IL 60673 | CIGNA LIFE INSURANCE CO OF NY | — | $7K | $7K | 1.05% |
| CAMMACK HEALTH LLC3 | PO BOX 419587 BOSTON, MA 02241 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $14K | $15K | 11.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | — | AIG PROPERTY CASUALTY US | — | $9K | $9K | 15.00% |
| AON CONSULTING INC7 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE INC EIN 23-7391136 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Float revenue; Other services Service code 12 | — | $3.9M |
| UNITED HEALTHCARE SERVICES LLC EIN 47-0854646 NONE | Claims processing; Other services Service code 12 | — | $2.2M |
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 | 23,473 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 23,473 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 40 | $106K |
| Dental(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 10,851 | $12.9M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE INC | 17,431 | $917K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 16,965 | $3.8M |
| Long-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE CO | 23,473 | $2.9M |
| Other(8 contracts, 6 carriers) | NEW YORK LIFE GROUP INSURANCE CO | 23,473 | $11.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,473 | — |
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.
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.