| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CTR CHICAGO, IL 60694 | SUN LIFE ASSURANCE COMPANY OF CANADA | $516K | — | $516K | 20.06% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662949 | SUN LIFE ASSURANCE COMPANY OF CANADA | $41K | $211K | $252K | 9.80% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 200 E RANDOLPH ST CHICAGO, IL 606016436 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | — | $6K | 0.23% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 234662949 | KAISER FOUNDATION HEALTH PLAN INC. | $12K | — | $12K | 0.63% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CTR CHICAGO, IA 60694 | SUN LIFE ASSURANCE COMPANY OF CANADA | $204K | — | $204K | 11.62% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC-MIDWEST | PO BOX 62889 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $37K | $108K | $145K | 8.27% |
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 | 16,862 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,870 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 920 | $6.2M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,281 | $2.6M |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,281 | $2.6M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 17,171 | $1.8M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 17,171 | $1.8M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 17,171 | $1.8M |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 17,171 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,171 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.