| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING DALLAS | 2711 N HASKELL AVE SUITE 800 DALLAS, TX 75204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | $20K | $40K | 1.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING DALLAS | 2711 N HASKELL AVE SUITE 800 DALLAS, TX 75204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $31 | $31 | $62 | 1.81% |
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 | 15,382 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 328 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,710 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 2,960 | $23.3M |
| Dental(2 contracts, 2 carriers) | ALPHA DENTAL PROGRAM, INC. | 4,281 | $1.0M |
| Vision | VISION SERVICE PLAN | 12,314 | $1.9M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 15,431 | $11.4M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 9,777 | $3.8M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF HAWAII | 11 | $95K |
| Other(5 contracts, 5 carriers) | UNITED BEHAVIORAL HEALTH DBA OPTUM | 15,431 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,431 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.