| 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 | $183K | — | $183K | 6.57% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $78K | — | $78K | 2.81% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $55K | — | $55K | 2.81% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | — | $24K | 4.32% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52K | $5K | $57K | 25.84% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40K | — | $40K | 20.00% |
| BKA BENEFITS4 | 6717 W. WAHALLA LANE GLENDALE, AZ 85308 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $22K | — | $22K | 17.18% |
| DAVID M. WHITE4 | 2211 E CAMELBACK RD UNIT 404 PHOENIX, AZ 85016 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $260 | — | $260 | 0.20% |
| ARTHUR J. KINCH4 | 12127 STAINSBY LANE CHARLOTTE, NC 28273 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $73 | — | $73 | 0.06% |
| GEORGE & PAULLA ENTERPRISES LLC4 | 97 EAST 2000 SOUTH BOUNTIFUL, UT 84010 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $45 | — | $45 | 0.04% |
| KACY LAVENDER4 Filed as: KACY K LAVENDER | 307 SPRING CRK MOODY, TX 76557 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $36 | — | $36 | 0.03% |
| BARBARA L. LEBSOCK4 | P.O. BOX 912 VISTA, CA 92085 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $21 | — | $21 | 0.02% |
| MORETON & COMPANY4 Filed as: DAWN MORTON | P.O. BOX 132 LIMINGTON, ME 04049 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $20 | — | $20 | 0.02% |
| MICHAEL W. SCHECHTER4 | 158 FOUR BROOKS ROAD STAMFORD, CT 06903 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $16 | — | $16 | 0.01% |
| MARY THERESA FISHER4 | 29C OWENS LANDING CT PERRYVILLE, MD 21903 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $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. DBA LEGALSHIELD | $11 | — | $11 | 0.01% |
| LOCKTON COMPANIES, LLC4 Filed as: LOCKTON COMPANIES | OFC 1801 K ST NW WASHINGTON, DC 20006 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $10 | — | $10 | 0.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22K | $3K | $25K | 24.06% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 20.77% |
| 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% |
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 | 5,045 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,084 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 417 | $2.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 26 | $562K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 26 | $562K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,105 | $2.8M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,105 | $2.8M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,105 | $2.8M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 417 | $2.1M |
| Other(9 contracts, 6 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,141 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,141 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.