| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | — | KAISER FOUNDATION HEALTH PLAN INC | $142K | — | $142K | 291.91% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | — | HEALTH NET | $19K | — | $19K | 77.08% |
| AON CONSULTING INC3 | — | KAISER FOUNDATION HEALTH PLAN INC. | $290K | — | $290K | 5529.95% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | — | UPMC HEALTH OPTIONS | $99 | — | $99 | 2.65% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | — | UPMC HEALTH OPTIONS | -$27 | — | -$27 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 06-0303370 NONE | Claims processing Service code 12 | — | $185K |
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 NONE | Other services; Claims processing Service code 12 | — | $85K |
| 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 | $78K |
| ALIGHT SOLUTIONS LLC NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | PO BOX 95135 CHICAGO, IL 606945135 | $50K |
| CAREFIRST BLUECROSS BLUESHIELD NONE | Claims processing Service code 12 | PO BOX 14116 LEXINGTON, KY 405124116 | $11K |
| CVS/CAREMARK NONE | Claims processing Service code 12 | PO BOX 848001 DALLAS, TX 752848001 | $9K |
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 | 1,949 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,949 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 243 | $426K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.
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.