| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PL CHICAGO, IL 60673 | KAISER FOUNDATION HEALTH PLAN, INC. (CALIFORNIA) | $24K | — | $24K | 0.32% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 200 E RANDOLPH ST CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $20K | — | $20K | 0.30% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | RELIASTAR LIFE INSURANCE COMPANY | $150K | — | $150K | 2.46% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 E. RANDOLPH ST CHICAGO, IL 60694 | RELIASTAR LIFE INSURANCE COMPANY | — | $100K | $100K | 1.64% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. NJ | 29840 NETWORK PL CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $49K | $49K | 1.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | — | $27K | $27K | 0.68% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $7K | $7K | 0.18% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PL CHICAGO, IL 60673 | KAISER FOUNDATION HEALTH PLAN, INC. (CALIFORNIA) | $71 | — | $71 | 0.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. MORRISTOWN, NJ | 44 WHIPPANY RD MORRISTOWN, NJ 07960 | KAISER FOUNDATION HEALTH PLAN, INC. (HAWAII) | $920 | — | $920 | 0.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | PO BOX 1447 LINCOLNSHIRE, IL 60069 | SECURIAN LIFE INSURANCE COMPANY | $493 | $49 | $542 | 1.10% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOC., INC. | 1655 RICHMOND AVE. STATEN ISLAND, NY 103141570 | ZURICH AMERICAN INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CONTRACT ADMINISTRATOR | Float revenue; Contract Administrator; Named fiduciary; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Participant communication Service code 12 | — | $7.2M |
| CVS/CAREMARK PHARMACY, INC. EIN 05-0340626 ADMINISTRATOR | Contract Administrator Service code 13 | — | $1.5M |
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 | 22,759 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 581 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 46,280 | $2.7M |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 51,253 | $6.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 20,220 | $4.0M |
| Prescription drug(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. (CALIFORNIA) | 1,409 | $16.4M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 51,253 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 51,253 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.