| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 20 E RANDOLPH STREET CHICAGO, IL 60601 | BLUE CROSS OF CALIFORNIA | $169K | — | $169K | 4.92% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 29840 NETWORK PLACE CHICAGO, IL 60673 | BLUE CROSS OF CALIFORNIA | — | $539 | $539 | 0.02% |
| AON CONSULTING INC3 Filed as: AON RISK INS SERVICES WEST INC | 4 OVERLOOK PT LINCOLNSHIRE, IL 60069 | AMERITAS LIFE INSURANCE CORP. | $18K | — | $18K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $36K | $4K | $40K | 22.98% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | P.O. BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $166 | $166 | 0.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $2K | — | $2K | 3.03% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 2277 FAIR OAKS BLVD SUITE 250 SACRAMENTO, CA 95825 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $492 | — | $492 | 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 | 238 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 431 | $3.4M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 506 | $181K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 431 | $3.5M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 298 | $174K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 298 | $174K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 298 | $174K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 431 | $3.4M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 298 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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.