| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING WORLDWIDE, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | $17 | $11K | 0.14% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. (MIAMI) | 1001 BRICKELL BAY DRIVE 10TH FLOOR MIAMI, FL 33131 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $6K | — | $6K | 3.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. IL | 29840 NETWORK PLACE CHICAGO, IL 60673 | KAISER FOUNDATION HEALTH PLAN INC | $7K | — | $7K | 4.38% |
| AON CONSULTING INC3 Filed as: AON HEWITT - MIAMI, FL | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE | $5K | — | $5K | 7.54% |
| AON CONSULTING INC3 Filed as: AON HEWITT - MIAMI, FL | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE | $73 | — | $73 | 5.91% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $64 | $10 | $74 | — |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $1K | $165 | $1K | — |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $42 | — | $42 | — |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $1K | $9K | — |
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 | 1,244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,393 | $8.4M |
| Dental(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,393 | $8.0M |
| Vision(2 contracts) | EYEMED VISION CARE | 1,021 | $73K |
| Prescription drug(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,393 | $8.4M |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,393 | $8.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,393 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.