| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES LLC | 39340 TREASURY CENTER CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | $39K | — | $39K | 1.46% |
| AON CONSULTING INC3 | SUITE 525 5 TRIAD CTR SALT LAKE CITY, UT 84180 | STANDARD INSURANCE COMPANY | $19K | — | $19K | 0.71% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | STONEBRIDGE | $64K | — | $64K | 3.33% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES LLC | 39340 TREASURY CENTER CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | $73K | — | $73K | 5.00% |
| AON CONSULTING INC3 | SUITE 525 5 TRIAD CTR SALT LAKE CITY, UT 84180 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 0.48% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 STE 125 1250 CAPITAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | -$887 | — | -$887 | -0.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES | 11111 SANTA MONICA BLVD STE 1150 LOS ANGELES, CA 90025 | STANDARD INSURANCE COMPANY | -$4K | — | -$4K | -0.25% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | TRANSAMERICA | $149K | — | $149K | 13.13% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | AMERITAS LIFE INSURANCE CORP. | $38K | — | $38K | 6.62% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES LLC | 39340 TREASURY CENTER CHICAGO, IL 60694 | AMERITAS LIFE INSURANCE CORP. | $19K | — | $19K | 3.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ROCKY MOUNTAIN HOSPITAL & MEDICAL EIN 84-0747736 | Claims processing; Other fees Service code 12 | — | $3.9M |
| ROCKY MOUNTAIN HOPSITAL & MEDICAL EIN 84-0747736 | Claims processing Service code 12 | — | $568K |
| AON CONSULTING INC. | Insurance agents and brokers Service code 22 | 29840 NETWORK PLACE CHICAGO, IL 60673 | $478K |
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 | 5,045 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 741 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,786 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 731 | $5.8M |
| Dental(4 contracts, 4 carriers) | ANTHEM BLUE CROSS BLUE SHIELD | 1,540 | $5.5M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 4,658 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 7,338 | $3.8M |
| Long-term disability | STANDARD INSURANCE COMPANY | 4,698 | $1.5M |
| Prescription drug(2 contracts, 2 carriers) | BLUE OF CALIFORNIA | 741 | $3.9M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 4,641 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,338 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.