| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 2345 GRAND AVE FL 11 ST 1125 KANSAS CITY, MO 641082663 | UNITEDHEALTHCARE INSURANCE COMPANY | $37K | $165K | $202K | 4.63% |
| AON CONSULTING INC3 | 2345 GRAND AVE ST 1125 KANSAS CITY, MO 64108 | UNITEDHEALTHCARE INSURANCE COMPANY | $39K | — | $39K | 23.51% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE DEPT 1446 NORTHERN TRUST BANK CHICAGO, IL 606751446 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $113 | $7K | 10.21% |
| BENEFIT HARBOR INSURANCE SERVICES0 | 5445 LEGACY DRIVE SUITE 75024 PLANO, TX 750243106 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 3.01% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE 1446 CHICAGO, IL 606750001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.80% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | KAISER FOUNDATION HEALTH PLAN, INC. | $869 | — | $869 | 3.70% |
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 | 855 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 879 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,206 | $4.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,206 | $4.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,206 | $4.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 561 | $70K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 561 | $70K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,206 | $4.4M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 561 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,206 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.