| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONDUENT HR CONSULTING LLC3 | P.O. BOX 202617 DALLAS, TN 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $202K | $19K | $220K | 23.92% |
| BUCK CONSULTANTS LLC3 | P.O. BOX 202617 DALLAS, TX 75320 | AETNA LIFE INSURANCE COMPANY | $73K | $0 | $73K | 8.40% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING, LLC | P.O. BOX 202617 DALLAS, TX 75320 | KAISER FOUNDATION HEALTH PLAN REGION OF COLORADO | $0 | $263 | $263 | 0.04% |
| CONDUENT HR CONSULTING LLC3 | P.O. BOX 202617 DALLAS, TN 753202617 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $139K | $12K | $151K | 26.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 CONTRACT ADMINISTRATOR | Claims processing; Other services; Float revenue; Other fees; Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $7.0M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | — | $2.9M |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 ADMIN SERVICES AGREEMENT | Contract Administrator; Direct payment from the plan; Other services; Participant communication; Non-monetary compensation; Claims processing; Named fiduciary; Float revenue Service code 12 | — | $1.8M |
| VISION SERVICE PLAN EIN 06-1227840 CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator Service code 13 | — | $1.8M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CONTRACT ADMINISTRATOR | Claims processing; Direct payment from the plan Service code 12 | — | $1.3M |
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 | 20,052 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 260 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 433 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 20,745 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLANS, INC. | 2,871 | $10.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 4,168 | $1.1M |
| Prescription drug(8 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLANS, INC. | 596 | $8.4M |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 2,871 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,168 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.