| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $150K | $0 | $150K | 0.87% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | $0 | $235K | $235K | 1.58% |
| AON CONSULTING INC3 | 29810 NETWORK PLACE CHICAGO, ID 60673 | SECURIAN LIFE INSURANCE COMPANY | $0 | $215K | $215K | 1.58% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY | 400 ATRIUM DRIVE SOMERSET, NH 08873 | MVP HEALTHCARE | $648K | $0 | $648K | 5.32% |
| AON CONSULTING INC3 | 44 WHIPPANY ROAD MORRISTOWN, NH 07960 | UNIVERA HEALTHCARE | $244K | — | $244K | 2.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | CENTRE SQUARE EAST 1500 MARKET ST. PHILADELPHIA, PA 19102 | UNIVERA HEALTHCARE | $19K | — | $19K | 0.21% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, ID 606731296 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $956K | $15K | $971K | 17.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | COMMISSION LOCKBOX 28852 NEW YORK, NY 100878852 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | -$14K | -$14K | -0.25% |
| AON CONSULTING INC0 Filed as: AON CONSULTING | 200 E RANDOLPH ST CHICAGO, IL 60601 | FOUR EVER LIFE INS. CO. | $0 | $544 | $544 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHY ALLIANCE LIFE INS CO EIN 86-0257201 CLAIMS PROCESSOR | Other services; Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $30.9M |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 CLAIMS PROCESSOR | Float revenue; Other services; Claims processing; Non-monetary compensation; Direct payment from the plan; Participant communication; Named fiduciary; Contract Administrator Service code 12 | — | $22.8M |
| EYEMED EIN 47-3094984 CLAIMS PROCESSOR | Claims processing; Contract Administrator; Other insurance fees and expenses Service code 12 | — | $7.1M |
| EXPRESS SCRIPTS, INC. EIN 22-3461740 CLAIMS PROCESSOR | Contract Administrator; Other insurance fees and expenses Service code 13 | — | $4.8M |
| COMPSYCH CORPORATION EIN 36-3739783 CLAIMS PROCESSOR | Claims processing; Contract Administrator; Other insurance fees and expenses Service code 12 | — | $966K |
| HAWAII-WESTERN MANAGEMENT GROUP EIN 94-3193724 CONTRACT ADMINISTRATOR | Contract Administrator; Other insurance fees and expenses Service code 13 | — | $340K |
| HAWAII DENTAL SERVICE EIN 99-0107971 CLAIMS PROCESSOR | Claims processing; Other insurance fees and expenses Service code 12 | — | $126K |
| VISION SERVICE PLAN EIN 99-0247673 CONTRACT ADMINISTRATOR | Other insurance fees and expenses; Contract Administrator Service code 13 | — | $37K |
| CIGNA | Named fiduciary; Contract Administrator; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Float revenue; Participant communication Service code 12 | — | $0 |
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 | 94,936 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,146 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 100,082 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 11 carriers) | KAISER FOUNDATION HEALTH PLAN INC (SOUTHERN CA) | 5,716 | $59.3M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 91,475 | $28.5M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 12,930 | $5.5M |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 71,377 | $17.6M |
| Prescription drug(10 contracts, 10 carriers) | KAISER FOUNDATION HEALTH PLAN INC (SOUTHERN CA) | 5,716 | $59.3M |
| Other(2 contracts, 2 carriers) | ARAG INSURANCE COMPANY | 26,988 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 91,475 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.