| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $113K | — | $113K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 3565 PIEDMONT ROAD NE BUILDING ONE SUITE 600 ATLANTA, GA 30305 | PRUDENTIAL INSURANCE COMPANY | $13K | — | $13K | 5.36% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | PRUDENTIAL INSURANCE COMPANY | — | $4K | $4K | 1.62% |
| VISION SERVICE PLAN5 | P O BOX 997100 SACRAMENTO, CA 95899 | VISION SERVICE PLAN | — | $32K | $32K | 13.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | VISION SERVICE PLAN | $5K | — | $5K | 1.83% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | PRUDENTIAL INSURANCE COMPANY | $4K | — | $4K | 16.77% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE | 122 SOUTH MICHIGAN AVE SUITE 11100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY | — | $65 | $65 | 0.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GREEN LIGHT COST MANAGEMENT EIN 45-5248276 NONE | Contract Administrator Service code 13 | 17015 NORTH SCOTTSDALE ROAD SUITE 350 SCOTTSDALE, AZ 85255 | $275K |
| ZELIS HEALTHCARE EIN 31-1407689 NONE | Contract Administrator Service code 13 | P O BOX 743856 ATLANTA, GA 30374 | $64K |
| OPTUM BANK EIN 47-0858534 NONE | Contract Administrator Service code 13 | 2771 MOMETUM CHICAGO, IL 60689 | $43K |
| ROY AND ASSOCIATES EIN 87-0429084 NONE | Actuarial Service code 11 | 4505 WASATCH BLVD SALT LAKE CITY, UT 84124 | $21K |
| I C SECURITY PRINTERS EIN 87-0396638 NONE | Contract Administrator Service code 13 | 4080 SOUTH 500 WEST SALT LAKE CITY, UT 84117 | $19K |
| TOTAL DENTAL ADMINISTRATORS EIN 87-0544289 NONE | Contract Administrator Service code 13 | 2111 HIGHLAND SUITE 250 PHOENIX, AZ 85016 | $17K |
| LIFETRACK EIN 20-8684614 NONE | Contract Administrator Service code 13 | 2001 KILLEBREW DRIVE SUITE 240 BLOOMINGTON, MA 55425 | $12K |
| CHANGE HEALTH CARE SOLUTIONS EIN 20-5591816 NONE | Contract Administrator Service code 13 | P O BOX 572490 SALT LAKE CITY, UT 84157 | $10K |
| OSBORNE, ROBBINS, BUHLER PLLC EIN 87-0502712 NONE | Accounting (including auditing) Service code 10 | 4527 SOUTH 2300 WEST SALT LAKE CITY, UT 84117 | $10K |
| XEOS EIN 20-0632721 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 1238 NORTH 750 WEST SUITE D SPRINGVILLE, UT 84663 | $10K |
| AMERICAN MEDICAL ASSOCIATION EIN 36-0727175 NONE | Claims processing Service code 12 | P O BOX 74008935 CHICAGO, IL 60674 | $5K |
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 | 1,914 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 84 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,998 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,598 | $249K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 5,854 | $1.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 5,854 | $1.1M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 5,854 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,854 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.