| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEARTLAND HEALTHCARE COALITION3 | PO BOX 390 MORTON, IL 615500390 | VISION SERVICE PLAN | $53K | — | $53K | 0.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NJ | PO BOX 905494 CHARLOTTE, NC 28290 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | — | $1 | $1 | 0.00% |
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 | 55,636 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28,941 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2,252 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 86,829 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(14 contracts, 12 carriers) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 4,164 | $65.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 45,328 | $20.8M |
| Vision | VISION SERVICE PLAN | 42,102 | $10.6M |
| Life insurance(2 contracts) | STATE FARM LIFE INSURANCE COMPANY | 109,249 | $49.6M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 41,210 | $5.4M |
| Prescription drug(14 contracts, 12 carriers) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 4,164 | $65.5M |
| Other(2 contracts, 2 carriers) | STATE FARM LIFE INSURANCE COMPANY | 109,249 | $48.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109,249 | — |
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.