| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC4 | P.O. BOX 905494 CHARLOTTE, NC 282905494 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12K | $12K | 0.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 38-2069753 N/A | Direct payment from the plan; Claims processing Service code 12 | — | $4.5M |
| ADP RETIREMENT SERVICES INC EIN 13-3036745 N/A | Contract Administrator; Direct payment from the plan Service code 13 | — | $728K |
| MODA HEALTH PLAN INC EIN 93-0989307 N/A | Claims processing; Direct payment from the plan Service code 12 | — | $439K |
| MEDCO HEALTH EIN 22-3461740 N/A | Contract Administrator; Direct payment from the plan Service code 13 | — | $215K |
| ZENITH ADMINISTRATORS EIN 52-1590516 N/A | Direct payment from the plan; Contract Administrator Service code 13 | — | $143K |
| MOSS ADAMS LLP EIN 91-0189318 N/A | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $98K |
| BENESYS INC EIN 38-2383171 N/A | Claims processing; Direct payment from the plan Service code 12 | — | $97K |
| LEXMOND COMMUNICATIONS N/A | Consulting (general); Direct payment from the plan Service code 16 | 818 MADISON AVENUE SAN DIEGO, CA 92116 | $41K |
| TOWERS WATSON EIN 23-1159360 N/A | Actuarial; Direct payment from the plan Service code 11 | — | $35K |
| RV KUHNS EIN 93-0910652 N/A | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $33K |
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 | 8,852 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 776 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 9,628 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 1,415 | $8.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 8,840 | $4.8M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 613 | $254K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 1,415 | $8.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,840 | — |
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.