| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | AON CONSULTING INC 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | — | $14K | $14K | 0.18% |
| MULTIAGENT SYSTEM CORP3 | P.O. BOX 1306 BAYAMON, PR 00960 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 0.05% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | P.0. BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 0.05% |
| AON CONSULTING INC3 | 200 E RANDOLPH STREET CHICAGO, IL 60601 | MVP HEALTH CARE | $261 | — | $261 | 3.56% |
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 | 62,317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 165 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 62,482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 2,853 | $49.4M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 10,423 | $4.2M |
| Vision | VISION SERVICE PLAN | 13,949 | $2.7M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 64,296 | $7.8M |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 64,296 | $8.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 64,296 | $7.8M |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 64,296 | $8.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 64,296 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.