| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC. 99 PARK AVE. FL 25 NEW YORK, NY 10016 | METROPOLITAN LIFE INSURANCE COMPANY | — | $67K | $67K | 1.97% |
| AON CONSULTING INC4 Filed as: AON CONSULTING INC. | — | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $7K | — | $7K | 0.46% |
| AON CONSULTING INC4 Filed as: HEWITT ASSOCIATES, LLC | 100 HALF DAY ROAD LINCOLNSHIRE, IL 60069 | SCOTT AND WHITE HEALTH PLAN | $3K | — | $3K | 0.50% |
| AON CONSULTING INC4 Filed as: HEWITT ASSOCIATES, LLC | — | UNITEDHEALTHCARE OF ARIZONA | $889 | — | $889 | 0.36% |
| AON CONSULTING INC4 Filed as: AON CONSULTING INC. | 555 E LANCASTER AVE. WAYNE, PA 19087 | UPMC HEALTH OPTIONS | $80 | — | $80 | 0.49% |
| VIATOR INTERNATIONAL LLC4 Filed as: VIATOR INTERNATIONAL INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $359 | — | $359 | 3.15% |
| AON CONSULTING INC4 Filed as: HEWITT ASSOCIATES, LLC | — | UNITEDHEALTHCARE OF CALIFORNIA | $889 | — | $889 | 18.74% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,306 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 191 | $2.4M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,534 | $3.4M |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE OF ARIZONA | 34 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,534 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.