| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY | 29840 NETWORKPLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $67K | — | $67K | 10.60% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERWEY | P O BOX 6718 SOMERSET, NJ 08875 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 0.51% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | P O BOX 955816 ST LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 0.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $2K | — | $2K | 2.08% |
| VISION SERVICE PLAN5 | P O BOX 997100 SACRAMENTO, CA 95899 | VISION SERVICE PLAN | — | $309 | $309 | 0.26% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PRUDENTIAL INSURANCE COMPANY | $2K | $130 | $2K | 16.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| S&S HEALTHCARE STRATEGIES LTD EIN 31-1418743 NONE | Contract Administrator Service code 13 | PO BOX 527765 MIAMI, FL 33152 | $311K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2767537 NONE | Contract Administrator Service code 13 | P O BOX 887564 LOS ANGELES, CA 90088 | $44K |
| OPTUM BANK EIN 47-0858530 NONE | Contract Administrator Service code 13 | P O BOX 84019 CHICAGO, IL 60689 | $27K |
| ROY AND ASSOCIATES EIN 87-0429084 NONE | Actuarial Service code 11 | 4505 WASATCH BLVD SALT LAKE CITY, UT 84124 | $19K |
| OSBORNE, ROBBINS & BUHLER PLLC EIN 87-0502712 NONE | Accounting (including auditing) Service code 10 | 4527 SOUTH 2300 EAST SALT LAKE CITY, UT 84117 | $13K |
| I C SECURITY PRINTERS EIN 87-0396638 NONE | Contract Administrator Service code 13 | 4080 SOUTH 500 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 |
| GREEN LIGHT COST MANAGEMENT EIN 45-5248276 NONE | Contract Administrator Service code 13 | 17015 NORTH SCOTTSDALE ROAD SUITE 350 SCOTTSDALE, AZ 85255 | $9K |
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 | 2,523 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,545 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,224 | $579K |
| Vision | VISION SERVICE PLAN | 898 | $118K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,104 | $628K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,104 | $640K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,104 | — |
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.