| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYST INC | 99 PARK AVENUE, FLOOR 25 NEW YORK, NY 10016 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $93K | $93K | 4.01% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYST INC | 99 PARK AVENUE, FLOOR 25 NEW YORK, NY 10016 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $215 | $215 | 0.01% |
| AON CONSULTING INC Filed as: AON CONSULTING INC. | 1420 FIFTH AVENUE, SUITE 1200 SEATTLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $6K | — | $6K | 0.51% |
| AON CONSULTING INC4 Filed as: HEWITT ASSOCIATES, LLC | 100 HALF DAY ROAD LINCOLNSHIRE, IL 60069 | SCOTT AND WHITE HEALTH PLAN | $2K | — | $2K | 0.51% |
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 | 11,743 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,743 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | HIGHMARK INC. | 5,944 | $15.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 9,438 | $2.3M |
| Prescription drug(4 contracts, 4 carriers) | HIGHMARK INC. | 5,944 | $14.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,438 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.