| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-NJ | AON CONSULTING INC CHICAGO, IL 60673 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 14.46% |
| LUMITY, INC.3 Filed as: LUMITY INC | LUMITY INC SAN FRANCISCO, CA 94131 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.31% |
| LUMITY, INC.3 Filed as: LUMITY INC | 5214F DIAMOND HEIGHTS BLVD UNIT#1152 SAN FRANCISCO, CA 94131 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 2.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - MIAMI | 29840 NETWORK PL CHICAGO, IL 606731298 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 13.25% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, INC. OF FLORIDA | 13901 SUTTON PARK DR S BLDG C JACKSONVILLE, FL 322240228 | KAISER FOUNDATION HEALTH PLAN, INC. | $686 | — | $686 | 3.44% |
| AMWINS3 Filed as: AMWINS CONNECT INS SERVICES, LLC | 2677 N MAIN ST STE 800 SANTA ANA, CA 927056687 | KAISER FOUNDATION HEALTH PLAN, INC. | $464 | — | $464 | 2.33% |
| LUMITY, INC.3 Filed as: LUMITY INC | 5214F DIAMOND HEIGHTS BLVD SAN FRANCISCO, CA 941312175 | KAISER FOUNDATION HEALTH PLAN, INC. | $431 | — | $431 | 2.16% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $1.2M |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 113 | $88K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 113 | $88K |
| Life insurance(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 197 | $140K |
| Long-term disability(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 197 | $140K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $1.2M |
| Other(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 197 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.