| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 2555 E. CAMELBACK ROAD, SUITE 700 PHOENIX, AZ 85016 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $148K | — | $148K | 6.41% |
| AON CONSULTING INC5 Filed as: AON RISK INSURANCE SERVICES WEST | 2555 E. CAMELBACK ROAD, SUITE 700 PHOENIX, AZ 85016 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $33K | $33K | 1.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $21K | — | $21K | 2.65% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 2555 E. CAMELBACK ROAD, SUITE 700 PHOENIX, AZ 85016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 3.56% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, ID 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $109K | $6K | $115K | 65.15% |
| BKA BENEFITS4 | 6717 W. WAHALLA LANE GLENDALE, AZ 85308 | PRE-PAID LEGAL SERVICES, INC. | $35K | — | $35K | 22.83% |
| DAVID M. WHITE4 | 4139 N. 49TH PLACE PHOENIX, AZ 85018 | PRE-PAID LEGAL SERVICES, INC. | $409 | — | $409 | 0.26% |
| ARTHUR J. KINCH4 | 12127 STAINSBY LANE CHARLOTTE, NC 28273 | PRE-PAID LEGAL SERVICES, INC. | $157 | — | $157 | 0.10% |
| GEORGE & PAULLA ENTERPRISES LLC4 | 97 EAST 2000 SOUTH BOUNTIFUL, UT 84010 | PRE-PAID LEGAL SERVICES, INC. | $63 | — | $63 | 0.04% |
| MICHAEL W. SCHECHTER4 | 158 FOUR BROOKS ROAD STAMFORD, CT 06903 | PRE-PAID LEGAL SERVICES, INC. | $23 | — | $23 | 0.01% |
| BARBARA L. LEBSOCK4 | P.O. BOX 912 VISTA, CA 92085 | PRE-PAID LEGAL SERVICES, INC. | $21 | — | $21 | 0.01% |
| MORETON & COMPANY4 Filed as: DAWN MORTON | P.O. BOX 132 LIMINGTON, ME 04049 | PRE-PAID LEGAL SERVICES, INC. | $20 | — | $20 | 0.01% |
| JAMES L. SMITH4 | 20280 N. 59TH AVE., STE. 115446 GLENDALE, AZ 85308 | PRE-PAID LEGAL SERVICES, INC. | $12 | — | $12 | 0.01% |
| DAVID J MCCLELLAN4 Filed as: DAVID E. PAPERNO | 78347 GRAPE ARBOR AVE. PALM DESERT, CA 92211 | PRE-PAID LEGAL SERVICES, INC. | $11 | — | $11 | 0.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30K | — | $30K | 19.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47K | $3K | $50K | 55.08% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60683 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $879 | $7K | 23.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $3K | — | $3K | 20.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29848 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $1K | $5K | 64.64% |
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 | 4,242 | 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) | 4,278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 160 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 22 | $403K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 22 | $403K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,242 | $2.3M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,242 | $2.3M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,242 | $2.3M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 160 | $963K |
| Other(10 contracts, 6 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,320 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,320 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.