| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | SECURIAN LIFE INSURANCE COMPANY | $286K | $224K | $511K | 5.14% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | SECURIAN LIFE INSURANCE COMPANY | $44K | $37K | $81K | 4.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 200 E RANDOLPH STREET, 13TH F CHICAGO, IL 60601 | FEDERAL INSURANCE COMPANY | $88K | — | $88K | 12.50% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $13K | 9.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 200 E RANDOLPH STREET 9TH FLOOR CHICAGO, IL 60601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 7.50% |
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 | 27,288 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,660 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 321 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 32,269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,176 | $9.7M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 29 | $147K |
| Vision | EYEMED VISION CARE | 39,407 | $2.3M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 35,853 | $11.6M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $147K |
| Other(3 contracts, 3 carriers) | FEDERAL INSURANCE COMPANY | 8,237 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 39,407 | — |
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."
No prospect flags tripped on this filing.