| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $81K | $13K | $94K | 5.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $55K | $0 | $55K | 3.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $91K | $0 | $91K | 5.20% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $82K | $6K | $88K | 5.03% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN INC | $38K | $0 | $38K | 2.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | KAISER FOUNDATION HEALTH PLAN INC | $31K | $0 | $31K | 2.26% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $15K | $0 | $15K | 2.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $10K | $0 | $10K | 1.72% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1001 BRICKELL BAY DRIVE, 10TH FLOOR MIAMI, FL 33131 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $0 | $14K | 4.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 4041 CLINTON, IA 52733 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 4.26% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | AETNA LIFE INSURANCE COMPANY | $165K | $0 | $165K | 59.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC AVENUE, SUITE 300 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.39% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $12K | $0 | $12K | 4.38% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $7K | $0 | $7K | 3.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $3K | $0 | $3K | 1.46% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $7K | $10K | $17K | 7.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $4K | $0 | $4K | 1.70% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 4 OVERLOOK PARK LINCOLNSHIRE, IL 60069 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $8K | $0 | $8K | 4.59% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 851 SW 6TH AVENUE, SUITE 385 PORTLAND, OR 97204 | KAISER HEALTH PLAN OF THE NORTHWEST | $4K | $0 | $4K | 4.60% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | LEGALPLANS, USA | $19K | $0 | $19K | 50.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | FEDERAL INSURANCE COMPANY | $7K | $0 | $7K | 20.00% |
| KIRT DAVIS3 | 539 BROWN CIRCLE ELK GROVE VILLAGE, IL 60007 | PRIORITY HEALTH | $4K | $0 | $4K | 235.13% |
| CHARLES AXFORD3 | 5267 MCGAVOCK ROAD BRENTWOOD, TN 37027 | PRIORITY HEALTH | $722 | $0 | $722 | 46.28% |
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 | 4,883 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 141 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 35 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,059 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 4,726 | $4.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,634 | $1.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,895 | $293K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,883 | $1.8M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,883 | $1.8M |
| Prescription drug(9 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 4,726 | $4.0M |
| Other(5 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,883 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,883 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.