| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | P.O. BOX 905494 CHARLOTTE, NC 282905494 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.30% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 39030 TREASURY CENTER CHICAGO, IL 606949000 | METROPOLITAN LIFE INSURANCE COMPANY | — | $40 | $40 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 806 TYVOLA ROAD CHARLOTTE, NC 28217 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $18K | — | $18K | 2.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, LLC EIN 47-0854646 PRVDS SVCS TO RLTD PLAN | Other services; Claims processing Service code 12 | — | $2.4M |
| AON HEWITT ASSOCIATES LLC EIN 36-2235791 PRFRMS SVS FOR PL. SPONSR | Actuarial Service code 11 | — | $414K |
| SPEILMAN, KOENIGSBERG & PARKER LLP EIN 13-3367751 PRFRMS SVS FOR PL. SPONSR | Accounting (including auditing) Service code 10 | — | $187K |
| METROPOLITAN LIFE INSURANCE CO. EIN 13-5581829 NONE | Contract Administrator; Claims processing Service code 12 | — | $154K |
| BUCHBINDER TUNICK & CO. LLP EIN 13-1578842 PRFRMS SVS FOR REL. PLANS | Accounting (including auditing) Service code 10 | — | $53K |
| EXECUTIVE MEDICAL SERVICES P.C. EIN 22-3712962 NONE | Actuarial Service code 11 | — | $20K |
| SHERPAA HEALTH , INC. EIN 45-5266202 NONE | Actuarial Service code 11 | — | $8K |
| MERCER HEALTH & BENEFITS LLC EIN 34-2015463 NONE | Actuarial Service code 11 | — | $6K |
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 | 5,348 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 76 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 468 | $2.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,699 | $863K |
| Vision | VISION SERVICE PLAN | 4,162 | $838K |
| Prescription drug | HAWAII MEDICAL SERVICES ASSOCIATION | 377 | $0 |
| Stop-loss / reinsurancereinsurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 5,110 | $847K |
| Other | UNITED BEHAVIORAL HEALTH DBA OPTUM HEALTH | 6,405 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,405 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.