| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | — | KAISER FOUNDATION HEALTH PLAN INC | $155K | — | $155K | 856.96% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | — | HEALTH NET | $25K | — | $25K | 225.99% |
| AON CONSULTING INC Filed as: AON INSURANCE AGENCY LLC | — | UMPC HEALTH OPTIONS | $129 | — | $129 | 1.60% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | — | KAISER FOUNDATION HEALTH PLAN INC. | $547K | — | $547K | 6909.20% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | — | UPMC HEALTH OPTIONS | $14 | — | $14 | — |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,654 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,654 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 182 | $362K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.