| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SVCS. WEST, INC. | 75 REMITTANCE DR., SUITE 1446 CHICAGO, IL 60675 | BLUE CROSS OF CALIFORNIA | $30K | — | $30K | 3.17% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 6.76% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY. SE, SUITE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.17% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SVCS. WEST, INC. | 2277 FAIR OAKS BLVD., SUITE 250 SACRAMENTO, CA 958255538 | VISION SERVICE PLAN | $1K | — | $1K | 5.64% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 20.54% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 10800 BISCAYNE BLVD., SUITE 250 MIAMI, FL 33161 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 16.04% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SVCS. WEST, INC. | 2277 FAIR OAKS BLVD., SUITE 250 SACRAMENTO, CA 95825 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $518 | — | $518 | 15.00% |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 202 | $935K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 184 | $117K |
| Vision | VISION SERVICE PLAN | 113 | $19K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 184 | $117K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 184 | $124K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 184 | $117K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 202 | $935K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 184 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.