| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - TAMPA | PO BOX 905494 CHARLOTTE, NC 28290 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PLACE CHICAGO, IL 60673 | KAISER FOUNDATION HEALTH PLAN INC | $535 | — | $535 | 0.00% |
| TRINET HR III, INC.3 | 1100 SAN LEANDRO BLVD SAN LEANDRO, CA 94577 | METROPOLITAN LIFE INSURANCE COMPANY | — | $75K | $75K | 0.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR, ATTN ACCOUNTING NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | — | $102 | $102 | 0.00% |
| AON CONSULTING INC3 | D/B/A AON CONSULTING OF NEW JERSEY 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $90 | $90 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 1350 TREAT BLVD WALNUT CREEK, CA 94597 | METROPOLITAN LIFE INSURANCE COMPANY | — | $60 | $60 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PLACE CHICAGO, IL 60673 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 0.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - TAMPA | PO BOX 905494 CHARLOTTE, NC 28290 | KAISER FOUNDATION HEALTH PLAN INC | $23 | — | $23 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | KAISER FOUNDATION HEALTH PLAN INC | $771 | — | $771 | 0.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PLACE CHICAGO, IL 60673 | KAISER FOUNDATION HEALTH PLAN INC | $398 | — | $398 | 0.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - TAMPA | PO BOX 905494 CHARLOTTE, NC 28290 | KAISER FOUNDATION HEALTH PLAN INC | $8 | — | $8 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE NEW YORK, NY 10173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $128K | — | $128K | 5.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE NEW YORK, NY 10173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $43K | — | $43K | 10.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARMANINO MCKENNA LLP EIN 94-6214841 NONE | Accounting (including auditing) Service code 10 | — | $62K |
| WELLS FARGO BANK, N.A. EIN 41-6257133 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $11K |
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 | 223,244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,976 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229,220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(43 contracts, 21 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 146,267 | $923.8M |
| Dental(4 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 146,267 | $70.9M |
| Vision(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 146,267 | $67.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 260,608 | $39.4M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 146,267 | $66.9M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 146,267 | $66.9M |
| Prescription drug(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 41,208 | $630.7M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 348,129 | $42.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348,129 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.