| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $96K | $2K | $98K | 10.00% |
| VISION SERVICE PLAN5 | P O BOX 997100 SACRAMENTO, CA 95899 | VISION SERVICE PLAN | — | $20K | $20K | 13.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $4K | — | $4K | 2.35% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PRUDENTIAL INSURANCE COMPANY | $2K | $246 | $2K | 17.12% |
| AON CONSULTING INC3 Filed as: AON SECURITIES | 3565 PIEDMONT ROAD N. E. BUILDING ONE SUITE 600 ATLANTA, GA 30305 | PRUDENTIAL INSURANCE COMPANY | $9K | — | $9K | — |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PRUDENTIAL INSURANCE COMPANY | — | $5K | $5K | — |
| 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 | $158K |
| WISE PROVIDER NETWORK EIN 20-3082496 NONE | Contract Administrator Service code 13 | 6995 UNION PARK CENTER SUITE 200 SALT LAKE CITY, UT 84047 | $89K |
| OPTUM BANK EIN 47-0858534 NONE | Contract Administrator Service code 13 | 2771 MOMETU PLACE CHICAGO, IL 60689 | $43K |
| ZELIS HEALTHCARE EIN 31-1407689 NONE | Contract Administrator Service code 13 | P O BOX 743856 ATLANTA, GA 30374 | $37K |
| I C SECURITY PRINTERS EIN 87-0396638 NONE | Contract Administrator Service code 13 | 4080 SOUTH 500 WEST SALT LAKE CITY, UT 84117 | $25K |
| ROY AND ASSOCIATES EIN 87-0429084 NONE | Actuarial Service code 11 | 4505 WASATCH BLVD SALT LAKE CITY, UT 84124 | $21K |
| EMERGING THERAPY SOLUTIONS EIN 83-1322110 NONE | Contract Administrator Service code 13 | 2001 KILLEBREW DR SUITE 240 BLOOMINGTON, MN 55425 | $19K |
| TOTAL DENTAL ADMINISTRATORS EIN 87-0544289 NONE | Contract Administrator Service code 13 | 2111 HIGHLAND SUITE 250 PHOENIX, AZ 85016 | $11K |
| OSBORNE, ROBBINS & BUHLER PLLC EIN 87-0502712 NONE | Accounting (including auditing) Service code 10 | 4527 SOUTH 2300 EAST SALT LAKE CITY, UT 84117 | $11K |
| 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 |
| CHANGE HEALTH CARE SOLUTIONS EIN 20-5591816 NONE | Contract Administrator Service code 13 | P O BOX 572490 SALT LAKE CITY, UT 84157 | $8K |
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 | 2,235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 833 | $151K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,556 | $983K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,556 | $983K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,556 | $995K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,556 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.