| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 905494 CHARLOTTE, NC 282905494 | KAISER PERMANENTE | $44K | $0 | $44K | 5.64% |
| BXA INSURANCE SERVICES3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 926301771 | KAISER PERMANENTE | -$120 | — | -$120 | -0.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | BLUE CROSS OF CALIFORNIA | $21K | $0 | $21K | 3.97% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | BLUE CROSS OF CALIFORNIA | $2K | — | $2K | 0.38% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 905494 CHARLOTTE, NC 282905494 | KAISER PERMANENTE | $7K | — | $7K | 4.86% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 5.24% |
| BENEFIT EXCHANGE ALLIANCE3 Filed as: BENEFIT EXCHANGE ALLIANCE INC. | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | METROPOLITAN LIFE INSURANCE COMPANY | $892 | — | $892 | 0.94% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 11.75% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 3.26% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $311 | $4K | 13.93% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $628 | — | $628 | 2.13% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 12.05% |
| BENEFITS EXCHANGE ALLIANCE | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $715 | — | $715 | 2.95% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $898 | $269 | $1K | 5.20% |
| BENEFIT EXCHANGE ALLIANCE3 Filed as: BENEFIT EXCHANGE ALLIANCE INC. | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $257 | — | $257 | 1.14% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $908 | — | $908 | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 12.46% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $208 | — | $208 | 2.54% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $764 | — | $764 | 12.17% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $179 | — | $179 | 2.85% |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | KAISER PERMANENTE | 173 | $1.6M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 136 | $117K |
| Vision | VISION SERVICE PLAN | 219 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $41K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 41 | $8K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 195 | $24K |
| Prescription drug(4 contracts, 2 carriers) | KAISER PERMANENTE | 173 | $1.6M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 254 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.