| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | DELTA DENTAL OF KENTUCKY | $240K | — | $240K | 5.94% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC.-IL | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC | $67K | — | $67K | 1.97% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES | 39340 TREASURY CTR CHICAGO, IL 606949000 | KAISER FOUNDATION HEALTH PLAN INC | $14 | — | $14 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10017 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $13K | $13K | 0.72% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $6K | $6K | 0.36% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $30K | $24K | $54K | 3.57% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 956012 ST LOUIS, MS 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $13K | $13K | 0.88% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $75K | — | $75K | 6.45% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $19K | $15K | $34K | 3.32% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 956012 ST LOUIS, MS 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $6K | $6K | 0.58% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $7K | $12K | $19K | 2.57% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 956012 ST LOUIS, MS 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $4K | $4K | 0.55% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC.-IL | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC | $14K | — | $14K | 2.00% |
| MATTHEW B MORASKI3 Filed as: MATTHEW C PAXTON | 5205 MARYLAND WAY STE 300 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $24K | — | $24K | 3.62% |
| BRUCE SAMMIS3 | 2100 ROSSS AVE STE 1200 DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $3K | — | $3K | 0.49% |
| MICHAEL DAVIS3 Filed as: MICHAEL R DAVIS JR | 8 CADILLAC DRIVE STE 200 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $3K | — | $3K | 0.47% |
| KAYLA ULRICH3 Filed as: KAYLA L ULRICH | 200 E RANDOLPH CHICAGO, IL 60601 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $41 | — | $41 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $308K | -$5 | $308K | 47.87% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $212K | $17K | $229K | 35.58% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $350K | -$293 | $350K | 72.92% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731296 | METROPOLITAN LIFE INSURANCE COMPANY | $177K | $11K | $188K | 39.08% |
| BAILEY INSURANCE GROUP3 Filed as: BAILEY INSURANCE SERVICES | 4 MERIDIAN COURT SUITE B KALISPELL, MT 59901 | ALLEGIANCE LIFE & HEALTH INSURANCE COMPANY, INC. | $13K | — | $13K | 4.00% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | $79K | — | $79K | 27.05% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 304 PONCE DE LEON AVE. SUITE 1000 SAN JUAN, PR 00918 | FIRST MEDICAL HEALTH PLAN, INC. | $14K | — | $14K | 6.39% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | HYATT LEGAL PLANS | $14K | $2K | $16K | 11.23% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 10 LANIDEX CENTER WEST PARSIPPANY, NJ 07054 | HYATT LEGAL PLANS | — | $212 | $212 | 0.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 14800 FRYE RD FORT WORTH, TX 76155 | HYATT LEGAL PLANS | — | $70 | $70 | 0.05% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES | 39340 TREASURY CENTER CHICAGO, IL 606949300 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 18.91% |
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 | 16,132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 161 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 10,881 | $7.7M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF KENTUCKY | 12,791 | $4.9M |
| Vision(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 10,881 | $2.1M |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 33,460 | $1.5M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 6,918 | $1.0M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,399 | $737K |
| Prescription drug(2 contracts, 2 carriers) | ALLEGIANCE LIFE & HEALTH INSURANCE COMPANY, INC. | 83 | $539K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,648 | $1.7M |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 20,153 | $668K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 33,460 | — |
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.