| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. NJ | P.O. BOX 905494 CHARLOTTE, NC 28290 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $173K | — | $173K | 1.26% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | $5K | $36K | 4.65% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1900 16TH STREET, SUITE 1000 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 4.48% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $16K | $16K | 2.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $3K | — | $3K | 2.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $43K | $43K | 42.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1900 16TH STREET, SUITE 1000 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 7.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 2.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | ARAG INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - DENVER | 1900 16TH STREET, SUITE 1000 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 14.45% |
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 | 1,606 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,614 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 4,715 | $13.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,274 | $775K |
| Vision | VISION SERVICE PLAN | 904 | $143K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,606 | $649K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 161 | $103K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,606 | $649K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,781 | $742K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,715 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.