| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | P.O. BOX 955909 ST. LOUIS, MO 63195 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 0.40% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS (SEE ATTACHED) | 1 HORSEPOWER DR. MARYVILLE, MO 644688313 | AFLAC | $129K | $4K | $133K | 19.48% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS (SEE ATTACHED) | PO BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 13.55% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | P.O. BOX 955909 ST. LOUIS, MO 63195 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 6.49% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 21.43% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 50 SOUTH LASALLE CHICAGO, IL 60675 | FOUR EVER LIFE INSURANCE COMPANY | $1K | — | $1K | 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 | 2,935 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,961 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 93 | $696K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,230 | $1.4M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,230 | $1.4M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 93 | $590K |
| Other(6 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,230 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,230 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.