| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC Filed as: HEWITT ASSOCIATES LLC | 39340 TREASURY CENTER CHICAGO, IL 606949300 | HEALTH NET | $22 | — | $22 | 0.00% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES | 39340 TREASURY CENTER CHICAGO, IL 606949000 | KAISER FOUNDATION HEALTH PLAN INC. | $666 | — | $666 | 0.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 NONE | Claims processing Service code 12 | — | $1.2M |
| EXPRESS SCRIPTS EIN 42-1425239 NONE | Claims processing Service code 12 | — | $524K |
| EMPYREAN EIN 20-3029813 NONE | Recordkeeping fees Service code 64 | — | $458K |
| AETNA EIN 33-0052273 NONE | Insurance services Service code 23 | — | $82K |
| CLASS ADP EIN 13-3036745 NONE | Recordkeeping fees Service code 64 | — | $38K |
| TOWERS WATSON EIN 53-0181291 NONE | Actuarial Service code 11 | — | $35K |
| INNOVATION MARKETING EIN 26-4557035 NONE | Other services Service code 49 | — | $16K |
| CONTEMPORARY GRAPHICS EIN 22-2889890 NONE | Other services Service code 49 | — | $15K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,736 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,736 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH NET | 267 | $2.8M |
| Vision(3 contracts, 3 carriers) | HEALTH NET | 267 | $2.8M |
| Prescription drug(3 contracts, 3 carriers) | HEALTH NET | 267 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.