| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC.- IL | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN,INC. (CALIFORNIA) | $169K | — | $169K | 0.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | SENTARA HEALTH PLAN | $177K | — | $177K | 1.08% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 200 E RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | $122K | — | $122K | 0.86% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | SECURIAN LIFE INSURANCE COMPANY | — | $112K | $112K | 1.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | SECURIAN LIFE INSURANCE COMPANY | $53K | $5K | $58K | 0.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | SECURIAN LIFE INSURANCE COMPANY | $25K | — | $25K | 0.32% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $42K | $42K | 0.83% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $9K | $9K | 0.17% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 425 MARKET STREET SUITE 2800 SAN FRANCISCO, CA 94105 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $1K | — | $1K | 0.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN, INC. (CALIFORNIA) | $19K | — | $19K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | SECURIAN LIFE INSURANCE COMPANY | — | $18K | $18K | 1.45% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | SECURIAN LIFE INSURANCE COMPANY | — | $842 | $842 | 0.07% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | SECURIAN LIFE INSURANCE COMPANY | — | $13K | $13K | 1.58% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | SECURIAN LIFE INSURANCE COMPANY | $6K | $568 | $6K | 0.76% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | SECURIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. MORRISTOWN, NJ | 44 WHIPPANY ROAD MORRISTOWN, NJ 07960 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $6K | — | $6K | 0.86% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 1120 20TH ST., NW SUITE 600 WASHINGTON, DC 20036 | HAWAII DENTAL SERVICE | $2K | — | $2K | 1.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $2K | $6K | $8K | 20.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVS PHARMACY, INC. EIN 05-0340626 ADMINISTRATOR | Contract Administrator Service code 13 | — | $102.9M |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATOR | Contract Administrator Service code 13 | — | $16.6M |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 ADMINISTRATOR | Contract Administrator Service code 13 | — | $786K |
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 | 34,349 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 909 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 35,258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIVERA HEALTHCARE | 472 | $9.3M |
| Dental | HAWAII DENTAL SERVICE | 315 | $164K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 53,302 | $4.0M |
| Life insurance(4 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 38,886 | $9.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 39,070 | $5.1M |
| Prescription drug(6 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN,INC. (CALIFORNIA) | 2,391 | $45.0M |
| Other(2 contracts, 2 carriers) | JOHN HANCOCK LIFE INSURANCE COMPANY | 12,001 | $635K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 53,302 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.