| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 905494 CHARLOTTE, NC 28290 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 0.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD MI EIN 38-2069753 TPA | Claims processing; Direct payment from the plan; Consulting (general); Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Insurance services; Other fees Service code 12 | — | $2.1M |
| ADP RETIREMENT SERVICES INC EIN 13-3036745 N/A | Contract Administrator; Direct payment from the plan Service code 13 | — | $431K |
| MODA HEALTH PLAN INC EIN 93-0989307 N/A | Claims processing; Direct payment from the plan Service code 12 | — | $180K |
| SEDGWICK EIN 36-2685608 N/A | Direct payment from the plan; Contract Administrator Service code 13 | — | $133K |
| MEDCO HEALTH EIN 22-3461740 N/A | Direct payment from the plan; Claims processing Service code 12 | — | $104K |
| ZENITH ADMINISTRATORS EIN 52-1590516 N/A | Direct payment from the plan; Contract Administrator Service code 13 | — | $99K |
| MOSS ADAMS LLP EIN 91-0189318 N/A | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $68K |
| TOWERS WATSON EIN 23-1159360 N/A | Direct payment from the plan; Actuarial Service code 11 | — | $26K |
| RV KUHNS EIN 93-0910652 N/A | Direct payment from the plan; Investment advisory (plan); Consulting (general) Service code 16 | — | $22K |
| LEXMOND COMMUNICATIONS | Direct payment from the plan; Consulting (general) Service code 16 | 818 MADISON AVENUE SAN DIEGO, CA 92116 | $13K |
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 | 4,460 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 260 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,720 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 1,029 | $6.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,714 | $3.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 4,714 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,714 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.