| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 080371363 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3.5M | — | $3.5M | 70.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $0 | $109K | $109K | 2.19% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $72K | — | $72K | 1.45% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC | PO BOX 955909 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | $27K | — | $27K | 0.55% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | $0 | $10K | $10K | 0.21% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC - IL | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $41K | — | $41K | 0.85% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $326K | — | $326K | 8.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | LLC, SUITE 1710 75 STATE ST BOSTON, MA 02109 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $221K | — | $221K | 6.06% |
| AON CONSULTING INC3 Filed as: AON HEWITT - CLEVELAND, OH | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $86K | — | $86K | 3.00% |
| AON CONSULTING INC3 | P.O. BOX 905494 CHARLOTTE, NC 28290 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $15K | — | $15K | 1.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 1420 FIFTH AVE. SUITE 1200 SEATTLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $14K | — | $14K | 0.99% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE COMPANY | $8K | — | $8K | 0.93% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER PERMANENTE HEALTH PLAN INC. | $5K | $0 | $5K | 0.83% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS OF PR, INC. | P.O. BOX 191229 SAN JUAN, PR 009191229 | MCS LIFE INSURANCE COMPANY | $28K | — | $28K | 4.95% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 905494 CHARLOTTE, NC 28290 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $5K | — | $5K | 1.00% |
| HEWITT INSURANCE BROKERAGE LLC3 Filed as: HEWITT INSURANCE BROKERAGE | 39030 TREASURY CENTER CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $2K | — | $2K | 0.47% |
| PACIFIC RESRC BNFT ADVSRS LLC3 Filed as: PACIFIC RESRC BNFT ADVSRS | 75 STATE ST, STE 1710 BOSTON, MA 02109 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $32K | $32K | 7.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $8K | $0 | $8K | 2.00% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | FOUR EVER LIFE INS CO | $17K | $13K | $30K | 9.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 200 LIBERTY STREET, 7TH FLOOR NEW YORK, NY 10281 | ZURICH AMERICAN INSURANCE COMPANY | $26K | — | $26K | 26.68% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PL CHICAGO, IL 60673 | FOUR EVER LIFE INS CO | $4K | — | $4K | 5.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT - CLEVELAND, OH | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $1K | — | $1K | 3.08% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS OF PR, INC. | P.O. BOX 363786 SAN JUAN, PR 009363786 | TRIPLE-S VIDA, INC. | $3K | — | $3K | 15.00% |
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 | 44,173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,977 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 47,150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 9 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 21,653 | $15.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 3,606 | $886K |
| Vision(6 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 51,183 | $11.3M |
| Life insurance(3 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 36,025 | $10.9M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 21,653 | $5.1M |
| Long-term disability(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 34,987 | $5.4M |
| Prescription drug(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 892 | $8.4M |
| Other(6 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 60,174 | $11.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 60,174 | — |
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.