| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $79K | $60K | $139K | 3.48% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $9K | $9K | 0.22% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $112K | — | $112K | 3.06% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - NJ | PO BOX 905494 CHARLOTTE, NC 282905494 | KAISER FOUNDATION HEALTH PLAN INC. | $8K | — | $8K | 0.23% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $47K | — | $47K | 1.94% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $624K | $15K | $639K | 64.46% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $68K | — | $68K | 9.18% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF PR INC | PO BOX 191229 SAN JUAN, PR 009191229 | MAPFRE LIFE INSURANCE COMPANY | $19K | — | $19K | 6.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 2711 N. HASKELL AVE. STE 800 DALLAS, TX 75204 | HARTFORD LIFE AND ACCIDENT | $4K | $3K | $7K | 3.31% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 3000 TOWN CENTER STE 3000 SOUTHFIELD, MI 48075 | HARTFORD LIFE AND ACCIDENT | — | $294 | $294 | 0.14% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF PUERTO RICO | PO BOX 191229 SAN JUAN, PR 009191229 | DELTA DENTAL OF PUERTO RICO, INC. | $2K | — | $2K | 10.00% |
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 | 6,267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 746 | $6.4M |
| Dental | DELTA DENTAL OF PUERTO RICO, INC. | 65 | $23K |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 5,450 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 7,687 | $4.3M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 7,687 | $4.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 7,687 | $4.0M |
| Prescription drug | MAPFRE LIFE INSURANCE COMPANY | 66 | $313K |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 7,687 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,687 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.