| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS | 500 PLAZA DRIVE SECAUCUS, NJ 07096 | METROPOLITAN LIFE INSURANCE COMPANY | — | $37K | $37K | 1.19% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 2.89% |
| D.M. WHITE CORPORATION3 | 4139 NORTH 49TH PLACE PHOENIX, AZ 85018 | HYATT LEGAL PLANS, INC. | $28K | — | $28K | 10.17% |
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 | 67,798 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 501 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 68,299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLANS INC. - SOUTHERN CA | 3,812 | $34.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 72 | $209K |
| Vision(6 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLANS INC. - SOUTHERN CA | 26,739 | $35.4M |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 59,248 | $2.6M |
| Long-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 43,911 | $5.1M |
| Prescription drug(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLANS INC. - SOUTHERN CA | 3,812 | $33.4M |
| Other(8 contracts, 6 carriers) | AETNA BEHAVIORAL HEALTH, LLC | 46,415 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 59,248 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.