| 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) | $71K | — | $71K | 0.38% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS COMPENSATION | SYSTEMS INC. 99 PARK AVE, FL 25 NEW YORK, NY 10016 | METROPOLITAN LIFE INSURANCE COMPANY | — | $161K | $161K | 2.22% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS COMPENSATION | SYSTEMS INC. 99 PARK AVE, FL 25 NEW YORK, NY 10016 | METROPOLITAN LIFE INSURANCE COMPANY | — | $136 | $136 | 0.00% |
| VIATOR INTERNATIONAL LLC4 Filed as: VIATOR INTERNATIONAL | 41B NEW LONDON TURNPIKE GLASTONBURY, CT 06033 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 3.36% |
| AON CONSULTING INC4 Filed as: AON CONSULTING | 445 HOTCHINSON AVE, SUITE 900 COLUMBUS, OH 43235 | MEDICAL MUTUAL | $283 | — | $283 | 2.25% |
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 | 9,376 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 9,376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. (CALIFORNIA) | 1,237 | $18.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $85K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $85K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 6,735 | $7.2M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 0 | $646K |
| Prescription drug | MEDICAL MUTUAL | 1 | $13K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,376 | $7.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,376 | — |
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.