| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $50K | $50K | 1.11% |
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 | 13,449 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,388 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,837 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 10 carriers) | BLUE CROSS OF CALIFORNIA | 2,076 | $31.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,530 | $344K |
| Vision | EYEMED VISION CARE | 27,852 | $2.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 12,772 | $12.4M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 13,241 | $4.5M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 13,241 | $4.5M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF HAWAII | 15 | $111K |
| Other(7 contracts, 6 carriers) | JOHN HANCOCK LIFE INSURANCE COMPANY | 14,143 | $14.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,852 | — |
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.
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.