| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICE | MSC#17154 PO BOX 19640 IRVINE, CA 92623 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $47K | — | $47K | 8.13% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $17K | — | $17K | 5.28% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE M MCCULLUGH | 14715 NE 95TH ST, STE. 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 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 | 11.14% |
| 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 | $4K | — | $4K | 4.58% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 1005 CONVENTION PLAZA ST. LOUIS, MO 63101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 13.77% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | PO BOX 955909 ST. LOUIS, MO 63195 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 11.69% |
| 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 | 5.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA, INC. | 16220 N SCOTTSDALE RD SUITE 600 SCOTTSDALE, AZ 85254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | -$4 | — | -$4 | -0.01% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICE | 1005 CONVENTION PLAZA ST. LOUIS, MO 63101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 13.76% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICE | 1005 CONVENTION PLAZA ST. LOUIS, MO 63101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 13.78% |
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 | 492 | 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) | 498 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 60 | $404K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 742 | $35K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 326 | $39K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 848 | $584K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 848 | $584K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 848 | $584K |
| Other(7 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 848 | $904K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 848 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.