| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY | AON CONSULTING INC 29840 NEWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | — | $73K | $73K | 0.58% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY | AON CONSULTING INC 29840 NEWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $25K | $19K | $44K | 0.90% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | — | HARTFORD LIFE AND ACCIDENT | — | $7K | $7K | 0.14% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY | AON CONSULTING INC 29840 NEWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $44K | $13K | $57K | 1.70% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | — | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 0.14% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY | AON CONSULTING INC 29840 NEWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $99K | $164K | $263K | 9.68% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | — | HARTFORD LIFE AND ACCIDENT | — | $22K | $22K | 0.82% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY | AON CONSULTING INC 29840 NEWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $32K | $9K | $41K | 1.68% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 0.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 1735 MARKET STREET PHILADELPHIA, PA 19103 | HAWAII DENTAL SERVICE | $33K | — | $33K | 3.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY | AON CONSULTING INC 29840 NEWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $3K | $983 | $4K | 1.74% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | — | HARTFORD LIFE AND ACCIDENT | — | $371 | $371 | 0.15% |
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 | 77,055 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 663 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 77,718 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(14 contracts, 14 carriers) | KAISER FOUNDATION HEALTH PLAN INC. S CA | 7,731 | $159.3M |
| Dental(2 contracts, 2 carriers) | HAWAII DENTAL SERVICE | 3,351 | $1.0M |
| Vision | EYEMED VISION CARE | 73,959 | $4.5M |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 77,055 | $16.1M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 12,396 | $4.9M |
| Long-term disability(3 contracts) | HARTFORD LIFE AND ACCIDENT | 14,575 | $6.0M |
| Prescription drug(14 contracts, 14 carriers) | KAISER FOUNDATION HEALTH PLAN INC. S CA | 7,731 | $159.3M |
| Other(2 contracts) | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | 21,652 | $873K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 77,055 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.