| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONE | — | SUN LIFE | $0 | $0 | $0 | 0.00% |
| NONE | — | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| NONE | — | KAISER FOUNDATION HEALTH PLAN INC | — | $0 | $0 | 0.00% |
| NONE | — | KAISER FOUNDATION HEALTH PLAN INC | $0 | $0 | $0 | 0.00% |
| AON CONSULTING INC Filed as: HEWITT ASSOCIATES | — | AETNA LIFE INSURANCE COMPANY | $0 | $41 | $41 | 0.02% |
| NONE | — | SUN LIFE FINANCIAL | $0 | $0 | $0 | 0.00% |
| NONE | — | SUN LIFE FINANCIAL | $0 | $0 | $0 | 0.00% |
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 | 3,558 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,558 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 150 | $929K |
| Dental | AETNA LIFE INSURANCE COMPANY | 981 | $247K |
| Life insurance | SUN LIFE | 3,274 | $927K |
| Short-term disability(3 contracts, 2 carriers) | SUN LIFE | 3,274 | $1.1M |
| Long-term disability | SUN LIFE | 3,274 | $927K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 1,773 | $643K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,274 | — |
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.