| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 607831299 | HARTFORD LIFE AND ACCIDENT | $1.1M | — | $1.1M | 14.74% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $18K | $18K | 0.23% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $573K | $112 | $573K | 10.18% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606831298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 0.12% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 1900 16TH STREET, SUITE 1000 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $83K | — | $83K | 18.00% |
No Schedule C service providers reported on this filing.
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 | 14,171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 838 | $6.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 12,466 | $5.6M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 12,466 | $5.6M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 16,266 | $7.7M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 16,266 | $7.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 16,266 | $7.7M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 16,266 | $8.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,266 | — |
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.