| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC4 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | KAISER FOUNDATION HEALTH PLAN, INC. (CALIFORNIA) | $96K | — | $96K | 0.49% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS COMPENSATION | SYSTEMS INC. 99 PARK AVE, FL 25 NEW YORK, NY 10016 | METROPOLITAN LIFE INSURANCE COMPANY | — | $205K | $205K | 1.71% |
| AMERICAN BENEFITS AND COMPENSATION4 Filed as: AMERICAN BENEFITS & COMPENSATION | SYSTEMS INC. 99 PARK AVE 25TH FL NEW YORK, NY 10016 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 0.63% |
| AON CONSULTING INC4 Filed as: AON CONSULTING | 555 E LANCASTER AVE WAYNE, PA 19087 | UPMC HEALTH OPTIONS | $6K | — | $6K | 0.54% |
| AON CONSULTING INC4 Filed as: AON CONSULTING | 100 HALF DAY ROAD LINCOLNSHIRE, IL 60069 | SCOTT AND WHITE HEALTH PLAN | $814 | — | $814 | 0.50% |
| VIATOR INTERNATIONAL LLC4 Filed as: VIATOR INTERNATIONAL | 41B NEW LONDON TURNPIKE GLASTONBURY, CT 06033 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 6.00% |
| AON CONSULTING INC4 Filed as: AON CONSULTING | 445 HOTCHINSON AVE, SUITE 900 COLUMBUS, OH 43235 | MEDICAL MUTUAL | $454 | — | $454 | 0.48% |
| VIATOR INTERNATIONAL LLC4 Filed as: VIATOR INTERNATIONAL | 41B NEW LONDON TURNPIKE GLASTONBURY, CT 06033 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $71 | — | $71 | 7.01% |
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 | 16,648 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 16,648 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. (CALIFORNIA) | 1,501 | $21.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6 | $153K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6 | $153K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 16,643 | $12.0M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 16,648 | $1.6M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6 | $1K |
| Prescription drug | MEDICAL MUTUAL | 5 | $94K |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 16,648 | $12.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,648 | — |
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.