| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | 0.13% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICE | MSC#17154 PO BOX 19640 IRVINE, CA 92623 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $51K | — | $51K | 8.16% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST IN | MSC 17154 PO BOX 19640 IRVINE, CA 92623 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 1.23% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $101 | $101 | 0.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $92K | — | $92K | 23.18% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE M MCCULLUGH | 14715 NE 95TH ST, STE. 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 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 | $3K | — | $3K | 3.75% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES WEST, INC. | 200 CLAYTON ST SUITE 800 DENVER, CO 80206 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $3K | — | $3K | 5.00% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 1005 CONVENTION PLAZA DIRECT BILL STE 955909 ST. LOUIS, MO 63101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 13.84% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROG INC AN AON COM | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $369 | $369 | 0.75% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | PO BOX 955909 ST. LOUIS, MO 63195 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 9.97% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICE | 1005 CONVENTION PLAZA DIRECT BILL STE 955909 ST. LOUIS, MO 63101 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $5K | — | $5K | 13.75% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROG INC AN AON COM | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH & LIFE INSURANCE COMPANY | — | $276 | $276 | 0.74% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICE | 1005 CONVENTION PLAZA DIRECT BILL STE 955909 ST. LOUIS, MO 63101 | CIGNA HEALTH AND LIFE COMPANY | $4K | — | $4K | 13.79% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROG INC AN AON COM | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE COMPANY | — | $252 | $252 | 0.77% |
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 | 477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 37 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 520 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 61 | $455K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 699 | $1.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 592 | $43K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 477 | $629K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 477 | $629K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 477 | $629K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 699 | $1.1M |
| Other(6 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 699 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 699 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.