| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | KAISER FOUNDATION HEALTH PLAN INC | $15K | $0 | $15K | 3.03% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN INC | $5K | $0 | $5K | 0.94% |
| AON CONSULTING INC3 | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $0 | $14K | 12.78% |
| USI INSURANCE SERVICES LLC3 | PO BOX 3727 NORFOLK, VA 23514 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 5.97% |
| THE SCHELLER BRADFORD GROUP3 Filed as: THE SCHELLER BRADFORD GROUP INC | 463 OHIO PIKE, SUITE 303 CINCINNATI, OH 45255 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $802 | $0 | $802 | 0.71% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 6.60% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $732 | $28 | $760 | 2.66% |
| H E INSURANCE INC3 | UNKNOWN YOUNGSTOWN, OH 44505 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9 | $0 | $9 | 0.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $717 | $0 | $717 | 4.10% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $458 | $0 | $458 | 2.62% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | PO BOX 1447 LINCOLNSHIRE, IL 60069 | VISION SERVICE PLAN | $140 | $0 | $140 | 0.80% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 81 | $490K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 37 | $29K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $46K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 208 | $112K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 208 | $112K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 208 | $112K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 208 | $112K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.