| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN, INC. | $35K | — | $35K | 5.12% |
| AON CONSULTING INC3 | — | DELTA DENTAL OF CALIFORNIA | $21K | — | $21K | 6.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SAN FRANCISCO | 199 FREMONT ST 14TH FLOOR SAN FRANCISCO, CA 94105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 8.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SAN FRANCISCO | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 1.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $3K | — | $3K | 5.99% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | UNUM INSURANCE COMPANY | $3K | $602 | $4K | 13.53% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SAN FRANCISCO | 199 FREMONT ST 14TH FLOOR SAN FRANCISCO, CA 94105 | UNUM INSURANCE COMPANY | $997 | — | $997 | 3.73% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INSURANCE SVCS | 1850 GATEWAY DRIVE, STE 700 SAN MATEO, CA 94404 | UNUM INSURANCE COMPANY | $3K | $587 | $4K | 14.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SAN FRANCISCO | 199 FREMONT ST 14TH FLOOR SAN FRANCISCO, CA 94105 | UNUM INSURANCE COMPANY | $830 | — | $830 | 3.21% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SAN FRANCISCO | 199 FREMONT ST 14TH FLOOR SAN FRANCISCO, CA 94105 | UNUM INSURANCE COMPANY | $2K | — | $2K | 15.02% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SVCS WEST INC | 425 MARKET ST., SUITE 2800 SAN FRANCISCO, CA 94105 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $173 | — | $173 | 14.99% |
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 | 542 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 563 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 81 | $688K |
| Dental | DELTA DENTAL OF CALIFORNIA | 899 | $354K |
| Vision | VISION SERVICE PLAN | 492 | $43K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 542 | $224K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 542 | $224K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 542 | $224K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 81 | $688K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 542 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 899 | — |
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.