| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES | 39340 TREASURY CTR CHICAGO, IL 606949000 | KAISER FOUNDATION HEALTH PLAN INC | $28K | — | $28K | 1.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC | $28K | — | $28K | 0.99% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES | 39340 TREASURY CTR CHICAGO, IL 606949000 | KAISER FOUNDATION HEALTH PLAN INC | $17K | — | $17K | 1.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC | $17K | — | $17K | 0.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEWITT ASSOCIATES EIN 36-2235791 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $3.9M |
| BLUE CROSS BLUE SHIELD EIN 36-1236610 NONE | Contract Administrator; Claims processing; Other insurance fees and expenses Service code 12 | — | $3.4M |
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 NONE | Other services; Claims processing; Other insurance fees and expenses Service code 12 | — | $2.7M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Insurance agents and brokers; Other insurance fees and expenses; Contract Administrator Service code 13 | — | $1.8M |
| EXPRESS SCRIPTS NONE | Claims processing; Other insurance fees and expenses Service code 12 | 100 PARSONS POND DRVE FRANKLIN LAKES, NJ 07417 | $513K |
| CIGNA EIN 59-1031071 NONE | Non-monetary compensation; Claims processing; Other services; Float revenue; Named fiduciary; Participant communication; Contract Administrator; Direct payment from the plan Service code 12 | — | $377K |
| BELL LITHO INC. EIN 36-2550923 NONE | Other fees; Copying and duplicating Service code 36 | — | $295K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Other insurance fees and expenses; Contract Administrator Service code 13 | — | $154K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $65K |
| CROWE HORWATH LLP EIN 35-0921680 NONE | Direct payment from the plan; Other fees; Accounting (including auditing); Consulting fees Service code 10 | — | $43K |
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 | 23,996 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,996 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(14 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 468 | $8.1M |
| Dental(4 contracts) | HAWAII DENTAL SERVICE | 218 | $204K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 36,461 | $4.2M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 36,461 | $4.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 36,461 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 36,461 | — |
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.