| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEWITT INSURANCE BROKERAGE LLC3 Filed as: HEWITT INSURANCE BROKERAGE, LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE | — | $714K | $714K | 1.97% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $221K | $221K | 2.25% |
| JAMES PEARL3 | 5503 NW CLUB HOUSE COVE PARKVILLE, MO 64152 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 0.36% |
| JAMES PEARL3 Filed as: JAMES PERAL | 5503 NW CLUB HOUSE CV PARKVILLE, MO 64152 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 0.74% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK P.O. BOX 843844 KANSAS CITY, MO 641843844 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $40K | — | $40K | 12.51% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE, STE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 1.87% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 0.97% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 2.15% |
| LOCKTON COMPANIES, LLC3 | — | TRIPLE S SALUD, INC. | $4K | — | $4K | 5.00% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | KAISER FOUNDATION HEALTH PLAN INC | $858 | — | $858 | 2.02% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | HEALTH NET | $399 | — | $399 | 1.94% |
| HEWITT INSURANCE BROKERAGE LLC3 Filed as: HEWITT INSURANCE BROKERAGE | 39030 TREASURY CENTER CHICAGO, IL 60694 | UPMC HEALTH OPTIONS | $340 | — | $340 | 1.88% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $255 | — | $255 | 1.84% |
| HEWITT INSURANCE BROKERAGE LLC3 Filed as: HEWITT INSURANCE BROKERAGE, LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $455 | — | $455 | 3.28% |
| HEWITT INSURANCE BROKERAGE LLC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $127 | — | $127 | 2.00% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $62 | — | $62 | 2.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MAYER HOFFMAN MCCANN, P.C. EIN 43-1947695 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $19K |
| STATE STREET BANK & TRUST EIN 04-1867445 TRUSTEE | Trustee (directed); Investment management; Other fees; Direct payment from the plan Service code 25 | — | $17K |
| AMERICAN CENTURY INVESTMENTS EIN 44-0640487 ADVISOR | Investment management fees paid directly by plan; Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $2K |
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 | 21,948 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,779 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 26,727 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(15 contracts, 14 carriers) | CIGNA HEALTH AND LIFE INSURANCE | 3,991 | $51.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $89K |
| Vision(3 contracts, 2 carriers) | SURENCY LIFE AND HEALTH | 3,150 | $1.1M |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 21,846 | $3.7M |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,140 | $5.4M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 21,846 | $408K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,846 | — |
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.