| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $88K | $88K | 1.53% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN, INC. | $45K | — | $45K | 2.56% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN, INC. | $33K | — | $33K | 2.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SEITLIN, A MARSH & MCLENNAN AGENCY | 9850 NW 41ST ST, SUITE 100 MIAMI, FL 33178 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $2K | — | $2K | 0.19% |
| AON CONSULTING INC3 | 3550 LENOX RD NE SUITE 1700 ATLANTA, GA 30326 | SUN LIFE ASSURANCE COMPANY OF CANADA | $75K | — | $75K | 17.21% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AN AON COMP | PO BOX 419623 BOSTON, MA 02241 | METLIFE LEGAL PLANS | $101K | $2K | $103K | 45.23% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFIT PROGRAMS UNIVERS WOR | 897 12TH STREET 1 HAMMONTON, NJ 08037 | METLIFE LEGAL PLANS | — | $425 | $425 | 0.19% |
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 | 10,260 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 292 | $3.2M |
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 8,077 | $4.1M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | 9,759 | $1.0M |
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 11,660 | $5.8M |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 11,660 | $5.8M |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 11,660 | $5.8M |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 11,660 | $6.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,660 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.