| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST | 75 REMITTANCE DRIVE DEPT. 1446 CHICAGO, IL 60675 | UNITED HEALTHCARE INSURANCE COMPANY | $8K | $23K | $31K | 2.49% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | KAISER FOUNDATION HEALTH PLAN INC. | $27K | — | $27K | 7.67% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC. | 1900 16TH STREET, SUITE 1000 DENVER, CO 80202 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 11.69% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 9.96% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 65 | $388K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 300 | $1.2M |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $46K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $46K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $46K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.