| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | — | AETNA LIFE INSURANCE COMPANY | $49K | — | $49K | 1.29% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | — | AETNA LIFE INSURANCE COMPANY | $17K | — | $17K | 0.46% |
| VITA INSURANCE ASSOCIATES, INC.3 | — | AETNA LIFE INSURANCE COMPANY | $7K | — | $7K | 0.19% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $179 | $22K | 4.35% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.46% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $377 | — | $377 | 0.08% |
| TCS INSURANCE AGENCY INC3 Filed as: TCS INSURANCE AGENCY INC. | 101 LARKSPUR LANDING CIRCLE SUITE 116 LARKSPUR, CA 94939 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 3.15% |
| VITA INSURANCE ASSOCIATES, INC.3 | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 1.26% |
| MGIS3 | 111 SOUTH MAIN STREET, SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $165 | $165 | 0.04% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | DELTA DENTAL OF CALIFORNIA | $6K | — | $6K | 1.98% |
| VITA INSURANCE ASSOCIATES, INC.3 | — | DELTA DENTAL OF CALIFORNIA | $3K | — | $3K | 1.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA HEALTH, INC. | $2K | — | $2K | 0.98% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 905494 CHARLOTTE, NC 28290 | AETNA HEALTH, INC. | $802 | — | $802 | 0.43% |
| VITA INSURANCE ASSOCIATES, INC.3 | — | AETNA HEALTH, INC. | $354 | — | $354 | 0.19% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | — | VISION SERVICE PLAN | $1K | — | $1K | 3.14% |
| VITA INSURANCE ASSOCIATES, INC.3 | — | VISION SERVICE PLAN | $351 | — | $351 | 1.05% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | — | VISION SERVICE PLAN | $87 | — | $87 | 0.26% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE | — | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | — | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $12K | — | $12K | 73.08% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES, INC. | — | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $0 | $8K | $8K | 47.83% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | — | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $0 | $951 | $951 | 5.92% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | — | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $372 | $0 | $372 | 2.31% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES, INC. | — | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $0 | $314 | $314 | 1.95% |
| VITA INSURANCE ASSOCIATES, INC.3 Filed as: VITA INSURANCE ASSOCIATES. INC. | — | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $256 | — | $256 | 1.59% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 419 | $3.8M |
| Dental | DELTA DENTAL OF CALIFORNIA | 167 | $298K |
| Vision | VISION SERVICE PLAN | 165 | $34K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 167 | $519K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 158 | $447K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 158 | $447K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 159 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 419 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.