| 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 | $25K | $56K | $81K | 1.45% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | — | HARTFORD LIFE AND ACCIDENT | — | $11K | $11K | 0.19% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY | AON CONSULTING INC 29840 NEWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $44K | $39K | $83K | 2.16% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | — | HARTFORD LIFE AND ACCIDENT | — | $7K | $7K | 0.20% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY | AON CONSULTING INC 29840 NEWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $99K | $178K | $277K | 8.72% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | — | HARTFORD LIFE AND ACCIDENT | — | $35K | $35K | 1.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY | AON CONSULTING INC 29840 NEWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $33K | $29K | $62K | 2.16% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 0.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 225 SCHILLING CIRCLE SUITE 150 HUNT VALLEY, MD 21031 | HAWAII DENTAL SERVICE | $32K | — | $32K | 3.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY | AON CONSULTING INC 29840 NEWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $3K | $2K | $5K | 2.13% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | — | HARTFORD LIFE AND ACCIDENT | — | $444 | $444 | 0.19% |
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 | 81,445 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 519 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 81,964 | 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 | 8,326 | $171.1M |
| Dental(2 contracts, 2 carriers) | HAWAII DENTAL SERVICE | 3,394 | $1.1M |
| Vision | EYEMED VISION CARE | 79,368 | $4.9M |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 81,445 | $17.7M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 13,491 | $5.6M |
| Long-term disability(3 contracts) | HARTFORD LIFE AND ACCIDENT | 14,797 | $6.9M |
| Prescription drug(14 contracts, 14 carriers) | KAISER FOUNDATION HEALTH PLAN INC. S CA | 8,326 | $171.1M |
| Other(2 contracts) | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | 23,671 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 81,445 | — |
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."
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.