| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $13K | — | $13K | 4.16% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | 2555 E. CAMELBACK ROAD, SUITE 700 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 5.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | PO BOX 730054 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.50% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | DIRECT BILL #955909 SL-MO-CIWS ST. LOUIS, MO 63101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.39% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICE | 2555 EAST CAMELBACK RD. STE. 700 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | — | $28K | 11.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | PO BOX 730054 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.46% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | DIRECT BILL #955909 SL-MO-CIWS ST. LOUIS, MO 63101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $895 | $895 | 0.38% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE M MCCULLUGH | 14715 NE 95TH ST, STE. 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 11.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.75% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE M MCCULLUGH | 14715 NE 95TH ST, STE. 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 11.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 16220 N SCOTTSDALE RD SUITE 600 SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.71% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES WEST, INC. | 2555 E. CAMELBACK ROAD, SUITE 700 PHOENIX, AZ 850169256 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $3K | — | $3K | 5.45% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | 2555 E. CAMELBACK ROAD, SUITE 700 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 14.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | PO BOX 730054 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $225 | $225 | 0.55% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICE | DIRECT BILL #955909 SL-MO-CIWS ST. LOUIS, MO 63101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $169 | $169 | 0.41% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | PO BOX 956012 ST. LOUIS, TX 60675 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 255 EAST CAMELBACK RD. STE. 7002544 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | PO BOX 955909 SAINT LOUIS, MO 631951446 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 6.61% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | 255 EAST CAMELBACK RD. STE. 700 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 11.76% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICE | 2555 E. CAMELBACK ROAD, SUITE 700 PHOENIX, AZ 850169256 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICE | 2555 E. CAMELBACK ROAD, SUITE 700 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
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 | 481 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 56 | $367K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 734 | $32K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 323 | $38K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 647 | $238K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 106 | $41K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 480 | $284K |
| Other(7 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 734 | $324K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 734 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.