| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $203K | $203K | 2.26% |
| AON CONSULTING INC3 | 29840 NETWORK CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $160K | $48 | $160K | 1.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX 28025 28025 NETWORK PLACE CHICAGO, IL 606731280 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $105K | — | $105K | 6.22% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES LLC | 39340 TREASURY CENTER CHICAGO, IL 606949300 | KAISER FOUNDATION HEALTH PLAN INC | $77K | — | $77K | 5.10% |
| PORTAL INSURANCE AGENCY, INC.3 | 1277 TREAT BLVD SUITE 400 WALNUT CREEK, CA 94597 | GROUP HEALTH COOPERATIVE | $6K | — | $6K | 2.34% |
| ALLAN WISER INSURANCE SERVICES INC3 Filed as: ALLAN WISER INSURANCE SERVICES, INC | 4809 SPARKS AVE SAN DIEGO, CA 92110 | GROUP HEALTCH COOPERATIVE | $1K | — | $1K | 2.09% |
| PENSION & BENEFIT INSURANCE SERVICE3 Filed as: PENSION AND BENEFIT INSURANCE SERVI | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | GROUP HEALTH COOPERATIVE | $877 | — | $877 | 2.17% |
| JD FULWILER AND COMPANY3 Filed as: J D FULWILER & CO INC | 5727 SW MACADAM PORTLAND, OR 97201 | GROUP HEALTH COOPERATIVE | $877 | — | $877 | 2.26% |
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 | 4,387 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 182 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 92 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,661 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 6 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 10,172 | $46.0M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,815 | $10.7M |
| Vision | VISION SERVICE PLAN | 3,298 | $864K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 9,815 | $9.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 9,815 | $9.0M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 14,138 | $10.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,138 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.