| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NJ | PO BOX 905494 CHARLOTTE, NC 28290 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | — | $28 | $28 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NJ | PO BOX 905494 CHARLOTTE, NC 28290 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | — | $28 | $28 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH INS & INVESTMENT CORP | 4 CHASE METROTECH CTR FL 7E PO BOX 26945 BROOKLYN, NY 112450003 | METROPOLITAN LIFE INSURANCE COMPANY | $252K | — | $252K | 1.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. DBA TRION GROUP | MMC COMPANY 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $248K | — | $248K | 1.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. DBA TRION GROUP, | MMC COMPANY 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $248K | — | $248K | 29.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. DBA TRION GROUP | MMC COMPANY 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $248K | — | $248K | 587.64% |
| WILLIS TOWERS WATSON US LLC3 | P. O. BOX 28852 LOCKBOX 28852 NEW YORK, NY 100878852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $5 | $5 | 0.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AON CONSULTING EIN 22-2232264 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $30.7M |
| ACCOLADE EIN 01-0969591 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $10.8M |
| CIGNA EIN 59-1031071 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $51K |
| MITCHELL & TITUS, LLP EIN 13-2781641 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $36K |
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 | 89,765 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29,772 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 372 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119,909 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 3,674 | $29.7M |
| Dental(5 contracts, 4 carriers) | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 25,955 | $18.9M |
| Vision(2 contracts, 2 carriers) | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 38,027 | $22.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 65,066 | $22.7M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,262 | $840K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 54,956 | $15.7M |
| Prescription drug(2 contracts, 2 carriers) | MEDICAL MUTUAL | 969 | $7.4M |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 25,955 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 65,066 | — |
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.