| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - PITTSBURGH | 75 REMITTANCE DR. SUITE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $14K | $30K | 3.23% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 625 LIBERTY AVENUE SUITE 2700 PITTSBURGH, PA 152223110 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $95 | $33K | 4.81% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DR. SUITE 1446 CHICAGO, IL 60675 | METROPOLITAN LIFE INSURANCE COMPANY | — | $14K | $14K | 2.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC - IL | 29840 NETWORK PLACE CHICAGO, IL 60675 | KAISER FOUNDATION HEALTH PLAN INC. | $12K | — | $12K | 3.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - PITTSBURGH | 75 REMITTANCE DR. SUITE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50K | $4K | $54K | 17.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN | $7K | — | $7K | 3.41% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 48226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $460 | $5K | 5.54% |
| TCS INSURANCE AGENCY INC3 | 101 LARKSPUR LANDING C SUITE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $966 | $4K | 5.15% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $736 | $736 | 0.88% |
| THE UFER GROUP3 | 2370 E STADIUM BOULEVARD SUITE 1025 ANN ARBOR, MI 48104 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $50 | $168 | $218 | 0.26% |
| AON CONSULTING INC3 Filed as: AON HEWITT - PITTSBURGH, PA | 625 LIBERTY AVENUE PITTSBURGH, PA 152223110 | EYEMED VISION CARE | $2K | — | $2K | 2.50% |
| AON CONSULTING INC3 Filed as: AON HEWITT - PITTSBURGH, PA | 625 LIBERTY AVENUE PITTSBURGH, PA 152223110 | EYEMED VISION CARE | $8 | — | $8 | 3.07% |
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 | 1,182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 74 | $599K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,488 | $692K |
| Vision(2 contracts) | EYEMED VISION CARE | 1,301 | $62K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,376 | $1.2M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,376 | $1.0M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 74 | $599K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,376 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,376 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.