| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSETN, NJ 08875 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1.3M | — | $1.3M | 16.11% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $476K | — | $476K | 6.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST, SUITE 1710 BOSTON, MA 02109 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $282K | — | $282K | 3.63% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $126K | $77K | $202K | 3.51% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $13K | $13K | 0.22% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC - IL | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $44K | — | $44K | 0.92% |
| AON CONSULTING INC3 Filed as: AON HEWITT - CLEVELAND, OH | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $86K | — | $86K | 2.99% |
| AON CONSULTING INC3 | 200 E RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $14K | — | $14K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 1420 FIFTH AVE. SUITE 1200 SEATTLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $13K | — | $13K | 1.00% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS OF PR, INC. | P.O. BOX 191229 SAN JUAN, PR 009191229 | MCS LIFE INSURANCE COMPANY | $34K | — | $34K | 4.95% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER PERMANENTE HEALTH PLAN INC. | $7K | — | $7K | 1.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 905494 CHARLOTTE, NC 28290 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $6K | — | $6K | 0.99% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | FOUR EVER LIFE INS CO | $18K | — | $18K | 5.00% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 200 E RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $3K | — | $3K | 1.00% |
| 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 | $24K | — | $24K | 26.68% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS OF PUERTO RICO | PO BOX 9350 S DIXIE HWY, STE 1550 MIAMI, FL 33156 | ELAN INSURANCE GROUP | $4K | — | $4K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PL CHICAGO, IL 60673 | FOUR EVER LIFE INS CO | $4K | — | $4K | 4.94% |
| AON CONSULTING INC3 Filed as: AON HEWITT - CLEVELAND, OH | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $966 | — | $966 | 2.94% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS OF PR, INC. | P.O. BOX 191229 SAN JUAN, PR 009191229 | TRIPLE-S VIDA, INC. | $4K | — | $4K | 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 | 47,073 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,970 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 50,043 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 883 | $10.2M |
| Dental | ELAN INSURANCE GROUP | 121 | $80K |
| Vision(7 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 54,501 | $11.1M |
| Life insurance(4 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 40,306 | $12.8M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 14,080 | $7.8M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 39,502 | $5.8M |
| Prescription drug(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 883 | $8.1M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 63,901 | $14.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 63,901 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.