| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE CO. | — | $41 | $41 | 0.00% |
| AXA ASSISTANCE, USA5 | 122 S. MICHIGAN AVE., SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $532 | $532 | 0.06% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $23K | — | $23K | 2.45% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $7K | — | $7K | 2.48% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $4K | — | $4K | 1.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HYATT LEGAL PLANS | $8K | $1K | $9K | 10.63% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 10 LANIDEX CENTER WEST PARSIPPANY, NJ 07054 | HYATT LEGAL PLANS | — | $220 | $220 | 0.26% |
| AON CONSULTING INC3 | 39340 TREASURY CENTER CHICAGO, IL 606949000 | HYATT LEGAL PLANS | — | $169 | $169 | 0.20% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 199 FREMONT STREET, SUITE 1500 SAN FRANCISCO, CA 94105 | ACE AMERICAN INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 199 FREMONT STREET, SUITE 1500 SAN FRANCISCO, CA 94105 | ACE AMERICAN INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 199 FREMONT STREET, SUITE 1500 SAN FRANCISCO, CA 94105 | ZURICH AMERICAN INSURANCE COMPANY | $1K | — | $1K | 14.99% |
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 | 1,661 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,683 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 2,908 | $14.7M |
| Dental | DELTA DENTAL OF CALIFORNIA | 3,446 | $1.5M |
| Vision | VISION SERVICE PLAN | 1,660 | $275K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,661 | $959K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,661 | $959K |
| Prescription drug(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 2,908 | $14.7M |
| Other(6 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,815 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,446 | — |
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.