| 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. | $136K | — | $136K | 3.21% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - NJ | PO BOX 905494 CHARLOTTE, NC 282905494 | KAISER FOUNDATION HEALTH PLAN INC. | $1K | — | $1K | 0.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $73K | $39K | $113K | 3.07% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 0.13% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $523K | $48K | $571K | 36.88% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $33K | — | $33K | 3.25% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $71K | — | $71K | 9.20% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF PR INC | PO BOX 191229 SAN JUAN, PR 009191229 | MAPFRE LIFE INSURANCE COMPANY OF PUERTO RICO | $24K | — | $24K | 6.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 2711 N. HASKELL AVE. STE 800 DALLAS, TX 75204 | HARTFORD LIFE AND ACCIDENT | $5K | $748 | $6K | 2.29% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 3000 TOWN CENTER STE 3000 SOUTHFIELD, MI 48075 | HARTFORD LIFE AND ACCIDENT | — | $109 | $109 | 0.04% |
| 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 | 6,080 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 87 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 733 | $5.7M |
| Dental | DELTA DENTAL OF PUERTO RICO, INC. | 63 | $21K |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 5,140 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 7,414 | $4.1M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 7,414 | $3.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 7,414 | $3.7M |
| Prescription drug | MAPFRE LIFE INSURANCE COMPANY OF PUERTO RICO | 63 | $397K |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 7,414 | $6.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,414 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.