| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | KAISER FOUNDATION HEALTH PLAN | $4K | — | $4K | 3.33% |
| DP INSURANCE AGENCY, INC.3 | 1130 S SAN GABRIEL BLVD STE 202 SAN GABRIEL, CA 91776 | KAISER FOUNDATION HEALTH PLAN | $1K | — | $1K | 1.28% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $921 | $921 | 0.83% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $292 | $292 | 0.33% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH ST HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 9.48% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | CIGNA-LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $656 | $656 | 1.10% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | UNITED HEALTHCARE INSURANCE CO | — | $1K | $1K | 2.34% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH ST HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 9.47% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: INSURANCETOGO WORLDWIDE INS AGENCY | 6744 BRAMWELL CT JOHNSTON, IA 50131 | UNITED HEALTHCARE INSURANCE CO | $5K | — | $5K | 13.13% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $139 | $139 | 0.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHY ALLIANCE LIFE INSURANCE CO EIN 86-0257201 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Contract Administrator; Float revenue Service code 12 | — | $497K |
| INGENIORX, INC EIN 82-3062245 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Other services Service code 12 | — | $53K |
| NBS NONE | Contract Administrator Service code 13 | 430 W 7TH STREET STE 219494 KANSAS CITY, MO 64105 | $8K |
| AON CONSULTING INC NONE | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1801 N STETSON AVE CHICAGO, IL 60601 | $0 |
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 | 805 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 820 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 23 | $148K |
| Vision | UNITED HEALTHCARE INSURANCE CO | 791 | $49K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 940 | $111K |
| Long-term disability | CIGNA-LIFE INSURANCE COMPANY OF NORTH AMERICA | 805 | $60K |
| Other(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 940 | $344K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 940 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.