| 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 | $55K | $80K | 1.30% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | — | HARTFORD LIFE AND ACCIDENT | — | $12K | $12K | 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 | $44K | $38K | $82K | 1.91% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | — | HARTFORD LIFE AND ACCIDENT | — | $9K | $9K | 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 | $172K | $271K | 8.03% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | — | HARTFORD LIFE AND ACCIDENT | — | $40K | $40K | 1.17% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY | AON CONSULTING INC 29840 NEWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $33K | $28K | $61K | 1.94% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 0.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 225 SCHILLING CIRCLE SUITE 150 HUNT VALLEY, MD 21031 | HAWAII DENTAL SERVICE | $33K | — | $33K | 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 | $3K | $6K | 1.90% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | — | HARTFORD LIFE AND ACCIDENT | — | $630 | $630 | 0.20% |
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 | 83,777 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 527 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 84,304 | 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 | 8,508 | $194.7M |
| Dental(2 contracts, 2 carriers) | HAWAII DENTAL SERVICE | 3,588 | $1.1M |
| Vision | EYEMED VISION CARE | 46,435 | $5.3M |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 82,283 | $19.2M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 14,088 | $6.2M |
| Long-term disability(3 contracts) | HARTFORD LIFE AND ACCIDENT | 15,264 | $7.7M |
| Prescription drug(14 contracts, 14 carriers) | KAISER FOUNDATION HEALTH PLAN INC. S CA | 8,508 | $194.7M |
| Other(2 contracts) | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | 24,741 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 82,283 | — |
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.