| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $87K | $82K | $169K | 3.53% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 75 REMITTANCE DRIVE STE 1446 CHICAGO, IL 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $34K | $34K | 0.72% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $314K | $0 | $314K | 8.88% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $29K | $0 | $29K | 0.97% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES | 39340 TREASURY CTR CHICAGO, IL 606949000 | KAISER FOUNDATION HEALTH PLAN INC. | $9 | $0 | $9 | 0.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT - CLEVELAND, OH | NORTHERN TRUST - DB CHICAGO, IL 606751446 | COMBINED INSURANCE COMPANY OF AMERICA | $74K | $0 | $74K | 2.92% |
| AON CONSULTING INC3 | P.O. BOX 905494 CHARLOTTE, NC 28290 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $13K | $0 | $13K | 0.98% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 1420 FIFTH AVE. SUITE 1200 SEATTLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $12K | $0 | $12K | 0.99% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 1.07% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $2K | $2K | 0.32% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.57% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS OF PR, INC. | P.O. BOX 191229 SAN JUAN, PR 009191229 | MCS LIFE INSURANCE COMPANY | $25K | $0 | $25K | 4.85% |
| AON CONSULTING INC3 Filed as: AON RISK CENTRAL, INC | 75 REMITTANCE DRIVE CHICAGO, IL 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $2K | $2K | 0.32% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PLACE CHICAGO, IL 60673 | KAISER PERMANENTE HEALTH PLAN INC. | $5K | $0 | $5K | 1.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 905494 CHARLOTTE, NC 28290 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $4K | $0 | $4K | 0.98% |
| HEWITT INSURANCE BROKERAGE LLC3 Filed as: HEWITT INSURANCE BROKERAGE | 39030 TREASURY CENTER CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $3K | $0 | $3K | 1.01% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA INTERNATIONAL | $963 | $0 | $963 | 0.57% |
| AON CONSULTING INC3 Filed as: AON HEWITT | NORTHERN TRUST - DB CHICAGO, IL 606751446 | COMBINED INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 2.99% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS OF PR, INC. | P.O. BOX 363786 SAN JUAN, PR 009363786 | TRIPLE-S VIDA, INC. | $2K | $0 | $2K | 13.00% |
| NICOLE K DAVIDSON3 | 1202 W 33RD PLACE CHICAGO, IL 60608 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $681 | $0 | $681 | 10.00% |
| MULLIN TBG INSURANCE AGENCY SVCS3 | 33174 COLLECTION CENTER DR CHICAGO, IL 60693 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $580 | $0 | $580 | 13.99% |
| M FINANCIAL HOLDINGS INC3 | SUITE 900 1125 NW COUCH STREET PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $124 | $124 | 2.99% |
| MULLIN TBG INSURANCE AGENCY SVCS3 | 100 N SEPULVEDA BLVD STE 500 EL SEGUNDO, CA 90245 | THE PAUL REVERE LIFE INSURANCE COMPANY | $37 | $83 | $120 | 6.43% |
| SUMMA FINANCIAL CORP3 | 520 LAKE COOK RD STE 520 DEERFIELD, IL 60015 | THE PAUL REVERE LIFE INSURANCE COMPANY | $0 | $20 | $20 | 1.07% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $426K | $15K | $442K | — |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $554K | $20K | $574K | — |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $640K | $23K | $663K | — |
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 | 42,419 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,346 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 45,765 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(16 contracts, 10 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 2,628 | $10.2M |
| Dental(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 3,708 | $1.8M |
| Vision(6 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 47,083 | $8.5M |
| Life insurance(4 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 31,188 | $10.5M |
| Short-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 23,768 | $625K |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 30,211 | $4.8M |
| Prescription drug(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 699 | $5.9M |
| Other(5 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 27,354 | $6.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 47,083 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.