| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 905494 CHARLOTTE, NC 282905494 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $283K | — | $283K | 1.50% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $12K | $12K | 0.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | VISION SERVICE PLAN | $84K | — | $84K | 2.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | HYATT LEGAL PLANS | $56K | $0 | $56K | 8.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC. | 1018 W 9TH AVE KING OF PRUSSIA, PA 19406 | HYATT LEGAL PLANS | $0 | $57 | $57 | 0.01% |
| WELLS FARGO INSURANCE SERVICES3 | 1018 W 9TH AVE KING OF PRUSSIA, PA 194061225 | HYATT LEGAL PLANS | $0 | $27 | $27 | 0.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | PO BOX 601478 CHARLOTTE, NC 28260 | HYATT LEGAL PLANS | $0 | $18 | $18 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - RICHMOND | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 8.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING/RICHMOND | 29840 NETWORK PL CHICAGO, IL 606731298 | DELTA DENTAL OF VIRGINIA | $15K | — | $15K | 7.02% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA, INC. | 1350 TREAT BLVD STE 550 WALNUT CREEK, CA 94597 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $646 | $5K | 14.88% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 7.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA, INC. | 1350 TREAT BLVD STE 550 WALNUT CREEK, CA 94597 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $344 | $3K | 13.07% |
| PRICHARD, TIMOTHY3 | 1470 MARIA LN STE 240 WALNUT CREEK, CA 94596 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $480 | $0 | $480 | 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 | 31,822 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 108 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 800 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 32,730 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 17,590 | $4.8M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF VIRGINIA | 208 | $310K |
| Vision | VISION SERVICE PLAN | 17,370 | $3.4M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 32,794 | $19.0M |
| Short-term disability(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 32,794 | $19.3M |
| Long-term disability(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 32,794 | $19.3M |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 17,590 | $4.4M |
| Other(5 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 32,794 | $20.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 32,794 | — |
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.