| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 905494 CHARLOTTE, NC 282905494 | DELTA DENTAL OF KENTUCKY | $243K | — | $243K | 6.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. IL | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $56K | — | $56K | 2.21% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES | 39340 TREASURY CENTER CHICAGO, IL 606949000 | KAISER FOUNDATION HEALTH PLAN INC. | — | $15 | $15 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $50K | $56K | $106K | 4.49% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL 21ST FLOOR CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $43K | $66K | $109K | 5.74% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 E. RANDOLPH STREET CHICAGO, IL 60601 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $38K | — | $38K | 3.51% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | UNITED HEALTHCARE INSURANCE COMPANY | $105K | — | $105K | 9.97% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $101K | $11K | $112K | 16.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | -$586 | — | -$586 | -0.08% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $13K | — | $13K | 2.17% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731299 | METROPOLITAN LIFE INSURANCE COMPANY | $76K | $2K | $78K | 15.16% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | METROPOLITAN LIFE INSURANCE COMPANY | $285 | — | $285 | 0.06% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 304 PONCE DE LEON AVE. SUITE 1000 SAN JUAN, PR 00918 | FIRST MEDICAL HEALTH PLAN, INC. | $23K | — | $23K | 4.94% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 4 OVERLOOK PARK LINCOLNSHIRE, IL 60069 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $7K | — | $7K | 1.84% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | $80K | — | $80K | 26.72% |
| BAILEY INSURANCE GROUP3 Filed as: BAILEY INSURANCE SERVICES | 4 MERIDIAN COURT SUITE B KALLISPELL, MT 59901 | ALLEGIANCE LIFE & HEALTH INSURANCE COMPANY | $12K | — | $12K | 4.15% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731299 | METLIFE LEGAL PLANS | $15K | $2K | $17K | 11.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 14800 FRY ROAD FORT WORR, TX 76155 | METLIFE LEGAL PLANS | — | $42 | $42 | 0.03% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES | 39340 TREASURY CENTER COMMISSION REVENUE CHICAGO, IL 606949300 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 20.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $210 | $210 | 1.16% |
| BAILEY INSURANCE GROUP3 Filed as: BAILEY INSURANCE SERVICES | 4 MERIDIAN COURT SUITE B KALLISPELL, MT 59901 | BEST LIFE AND HEALTH INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 E. RANDOLPH STREET CHICAGO, IL 60601 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $26K | — | $26K | — |
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 | 36,706 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 36,742 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 2,127 | $6.1M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF KENTUCKY | 12,331 | $5.6M |
| Vision(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 7,153 | $2.6M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 24,002 | $1.9M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 8,383 | $2.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 8,383 | $2.4M |
| Prescription drug(3 contracts, 3 carriers) | FIRST MEDICAL HEALTH PLAN, INC. | 123 | $1.1M |
| Other(6 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 24,002 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,002 | — |
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."
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.