| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $16K | — | $16K | 1.61% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 220 WEST MAIN STREET LOUISVILLE, KY 402021382 | METROPOLITAN LIFE INSURANCE COMPANY | — | $474 | $474 | 0.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 606949000 | METROPOLITAN LIFE INSURANCE COMPANY | — | $48 | $48 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 PRVDS SVCS TO RLTD PLAN | Other services; Claims processing Service code 12 | — | $2.5M |
| AON HEWITT ASSOCIATES LLC EIN 36-2235791 PRFRMS SVS FOR PL. SPONSR | Actuarial Service code 11 | — | $427K |
| BENEFIT FOCUS.COM INC PROVD SRVS TO RELATED PLN | Consulting (general) Service code 16 | 100 BENEFIT FOCUS WAY CHARLESTON, SC 29492 | $301K |
| SPEILMAN, KOENIGSBERG & PARKER LLP EIN 13-3367751 PRFRMS SVS FOR PL. SPONSR | Accounting (including auditing) Service code 10 | — | $202K |
| METROPOLITAN LIFE INSURANCE CO. EIN 13-5581829 NONE | Claims processing; Contract Administrator Service code 12 | — | $161K |
| HAGGER STRATEGIC, INC. EIN 52-1942556 NONE | Actuarial Service code 11 | — | $75K |
| BUCHBINDER TUNICK & CO. LLP EIN 13-1578842 PRFRMS SVS FOR REL. PLANS | Accounting (including auditing) Service code 10 | — | $55K |
| TERRY CONSULTING LLC EIN 06-9409442 NONE | Actuarial Service code 11 | — | $36K |
| EXECUTIVE MEDICAL SERVICES P.C. EIN 22-3712962 NONE | Actuarial Service code 11 | — | $14K |
| MERCER HEALTH & BENEFITS LLC EIN 34-2015463 NONE | Actuarial Service code 11 | — | $11K |
| JAMES HOWARD, INC. EIN 22-3366043 NONE | Actuarial Service code 11 | — | $10K |
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 | 5,273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 59 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 518 | $3.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,812 | $969K |
| Vision | VISION SERVICE PLAN | 4,345 | $869K |
| Prescription drug | HAWAII MEDICAL SERVICES ASSOCIATION | 400 | $0 |
| Stop-loss / reinsurancereinsurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 5,225 | $989K |
| Other | UNITED BEHAVIORAL HEALTH DBA OPTUM HEALTH | 6,723 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,723 | — |
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.