| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | BLUE CROSS BLUE SHIELD OF ARIZONA | $251K | — | $251K | 4.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 20 N. MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 601732412 | KAISER FOUNDATION HEALTH PLAN INC | $71K | — | $71K | 2.92% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - IL | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC | $22K | — | $22K | 0.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $110K | — | $110K | 8.39% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET 1 HAMMONTON, NJ 08037 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $32K | — | $32K | 2.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE ROAD SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $25K | — | $25K | 4.41% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC (SAN FRANCISCO) | 425 MARKET ST., SUITE 2800 SAN FRANCISCO, CA 94105 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $6K | — | $6K | 0.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 20 N. MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 601732412 | KAISER FOUNDATION HEALTH PLAN, INC. | $17K | — | $17K | 2.94% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - IL | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN, INC. | $6K | — | $6K | 1.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $15K | — | $15K | 2.83% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 425 MARKET ST., SUITE 2800 SAN FRANCISCO, CA 94105 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $7K | — | $7K | 1.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC | $6K | — | $6K | 2.79% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 425 MARKET ST., SUITE 2800 SAN FRANCISCO, CA 94105 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC | $4K | — | $4K | 1.63% |
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 | 1,186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 1,081 | $9.8M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,608 | $1.3M |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,608 | $1.3M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,608 | $1.3M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,608 | $1.3M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,608 | $1.3M |
| Prescription drug(6 contracts, 5 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 1,081 | $9.8M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,608 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,608 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.