| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEWITT INSURANCE BROKERAGE LLC3 | — | KAISER FOUNDATION HEALTH PLAN INC. | $179K | — | $179K | 1.83% |
| HEWITT INSURANCE BROKERAGE LLC3 | — | KAISER FOUNDATION HEALTH PLAN INC | $130K | — | $130K | 1.83% |
| HEWITT INSURANCE BROKERAGE LLC3 | — | HEALTH NET | $21K | — | $21K | 1.97% |
| HEWITT INSURANCE BROKERAGE LLC3 | — | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $957 | — | $957 | 1.85% |
| HEWITT INSURANCE BROKERAGE LLC3 Filed as: HEWITT INSURANCE BROKERAGE | — | UPMC HEALTH OPTIONS | $503 | — | $503 | 1.91% |
| HEWITT INSURANCE BROKERAGE LLC3 Filed as: HEWITT INSURANCE BROKERAGE | — | UPMC HEALTH OPTIONS | $45 | — | $45 | 4.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 06-0303370 NONE | Claims processing Service code 12 | — | $217K |
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 NONE | Claims processing; Other services Service code 12 | — | $138K |
| AON HEWITT HLTH MKT INS SOLUTIONS I NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | 39920 TREASURY CENTER CHICAGO, IL 606949900 | $60K |
| ALIGHT SOLUTIONS LLC NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | PO BOX 95135 CHICAGO, IL 606945135 | $59K |
| CAREFIRST BLUECROSS BLUESHIELD NONE | Claims processing Service code 12 | PO BOX 14116 LEXINGTON, KY 405124116 | $19K |
| CVS/CAREMARK NONE | Claims processing Service code 12 | PO BOX 848001 DALLAS, TX 752848001 | $10K |
| AETNA US HEALTHCARE EIN 06-6033492 NONE | Claims processing Service code 12 | — | $3K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,087 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,087 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 269 | $500K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,763 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.