| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT HARBOR INSURANCE SERVICES3 | 5445 LEGACY DRIVE SUITE 250 PLANO, TX 75024 | AETNA LIFE INSURANCE CO. | $51K | — | $51K | 9.36% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE CO. | $22K | — | $22K | 4.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $713 | $10K | 5.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CALIFORNIA | 9855 SCRANTON RD. SUITE 100 SAN DIEGO, CA 92121 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $777 | $777 | 0.38% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 173850 DEPT 999228 DENVER, CO 80217 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $324 | $324 | 0.16% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $222 | $3K | 4.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CALIFORNIA | 9855 SCRANTON RD. SUITE 100 SAN DIEGO, CA 92121 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $230 | $230 | 0.34% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 173850 DEPT 999228 DENVER, CO 80217 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $101 | $101 | 0.15% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $66 | $2K | 11.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CALIFORNIA | 9855 SCRANTON RD. SUITE 100 SAN DIEGO, CA 92121 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $68 | $68 | 0.42% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 173850 DEPT. 999228 DENVER, CO 80217 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $31 | $31 | 0.19% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $292 | — | $292 | 3.18% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $389 | $11 | $400 | 15.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CALIFORNIA | 9855 SCRANTON RD. SUITE 100 SAN DIEGO, CA 92121 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $11 | $11 | 0.42% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 173850 DEPT. 999228 DENVER, CO 80217 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5 | $5 | 0.19% |
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 | 484 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 436 | $556K |
| Dental | AETNA LIFE INSURANCE CO. | 436 | $547K |
| Vision(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 436 | $599K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 650 | $750K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 436 | $547K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 484 | $68K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 436 | $556K |
| Other(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 644 | $565K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 650 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.