| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELMC LLC3 | 215 EAST 68TH STREET 6L NEW YORK, NY 10065 | HARTFORD LIFE AND ACCIDENT | $252K | $204K | $456K | 3.62% |
| ELMC LLC3 | 215 EAST 68TH STREET 6L NEW YORK, NY 10065 | HARTFORD LIFE AND ACCIDENT | $18K | $13K | $31K | 3.49% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 008756718 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $1K | $33K | 4.16% |
| ALIGHT SOLUTIONS3 | PO BOX 95135 CHICAGO, IL 606945135 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $13 | $21K | 2.58% |
| AON CONSULTING INC3 | 200 E RANDOLPH ST STE 900 CHICAGO, IL 60601 | METROPOLITAN LIFE INSURANCE COMPANY | $796 | $7K | $8K | 0.98% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 901 MAIN ST. STE 5800 DALLAS, TX 75202 | METROPOLITAN LIFE INSURANCE COMPANY | — | $28 | $28 | 0.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF PR | 268 MUNOZ RIVERA AVE HATO REY TOWER 1800 SAN JUAN, PR 00919 | TRIPLE S SALUD, INC. | $37K | — | $37K | 4.96% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $55K | $6K | $61K | 8.93% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES, LLC | HEWITT INSURANCE BROKERAGE 39030 TREASURY CENTER CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $0 | $3K | $3K | 0.40% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 10 LANIDEX CENTER WEST PARSIPPANY, NJ 07054 | METLIFE LEGAL PLANS | $0 | $2K | $2K | 0.32% |
| AON CONSULTING INC3 | 200 E RANDOLPH ST STE 900 CHICAGO, IL 606016420 | METLIFE LEGAL PLANS | $0 | $416 | $416 | 0.06% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 008756718 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $1K | $31K | 4.58% |
| ALIGHT SOLUTIONS3 | PO BOX 95135 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $13 | $17K | 2.54% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 0.81% |
| AON CONSULTING INC3 | 200 E RANDOLPH ST STE 900 CHICAGO, IL 60601 | METROPOLITAN LIFE INSURANCE COMPANY | $627 | $39 | $666 | 0.10% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 901 MAIN ST. STE 5800 DALLAS, TX 75202 | METROPOLITAN LIFE INSURANCE COMPANY | — | $23 | $23 | 0.00% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 008756718 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $857 | $26K | 4.14% |
| ALIGHT SOLUTIONS3 | PO BOX 95135 CHICAGO, IL 606945135 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $13 | $16K | 2.59% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 0.85% |
| AON CONSULTING INC3 | 200 E RANDOLPH ST STE 900 CHICAGO, IL 60601 | METROPOLITAN LIFE INSURANCE COMPANY | $604 | $38 | $642 | 0.10% |
| ALIGHT SOLUTIONS3 | 901 MAIN ST. STE 5800 CHICAGO, IL 75202 | METROPOLITAN LIFE INSURANCE COMPANY | — | $22 | $22 | 0.00% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS OF PR, INC. | AON CENTER 304 PONCE DE LEON AVENUE SUITE 1000 SAN JUAN, PR 00918 | TRIPLE-S VIDA, INC. | $3K | — | $3K | 15.00% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $5K | $25K | 1384.39% |
| ALIGHT SOLUTIONS3 | PO BOX 95135 CHICAGO, IL 606945135 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 168.23% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3 | $3 | 0.17% |
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 | 88,806 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,633 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,372 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 91,811 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,557 | $23.6M |
| Dental | TRIPLE S SALUD, INC. | 108 | $746K |
| Vision | VISION SERVICE PLAN | 22,046 | $2.8M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 39,973 | $12.6M |
| Short-term disability | TRIPLE-S VIDA, INC. | 126 | $20K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 39,973 | $12.6M |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 284 | $1.8M |
| Other(6 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 44,889 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 44,889 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.