| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 200 E RANDOLPH, 9TH FL CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $90K | — | $90K | 1.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC | $79K | — | $79K | 1.82% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES | 39340 TREASURY CTR CHICAGO, IL 606949000 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 0.08% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC | $58K | — | $58K | 1.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 36-1236610 NONE | Contract Administrator; Other insurance fees and expenses; Claims processing Service code 12 | — | $4.6M |
| ALIGHT SOLUTIONS EIN 36-2235791 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $3.7M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Insurance agents and brokers; Other insurance fees and expenses; Contract Administrator Service code 13 | — | $3.1M |
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 NONE | Claims processing; Other insurance fees and expenses; Other services Service code 12 | — | $1.3M |
| CIGNA EIN 59-1031071 NONE | Participant communication; Float revenue; Named fiduciary; Contract Administrator; Non-monetary compensation; Claims processing; Other services; Direct payment from the plan Service code 12 | — | $864K |
| AON CORPORATION EIN 36-3051915 NONE | Claims processing; Other insurance fees and expenses Service code 12 | — | $485K |
| CONSUMERMEDICAL NONE | Insurance services; Direct payment from the plan Service code 23 | 64 SCHOOSETT STREET PEMBROKE, MA 02359 | $281K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Contract Administrator; Other insurance fees and expenses Service code 13 | — | $181K |
| BELL LITHO INC. EIN 36-2550923 NONE | Other fees; Copying and duplicating Service code 36 | — | $112K |
| EXPRESS SCRIPTS NONE | Other insurance fees and expenses; Claims processing Service code 12 | 100 PARSONS POND DRVE FRANKLIN LAKES, NJ 07417 | $101K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $73K |
| CROWE LLP EIN 35-0921680 NONE | Direct payment from the plan; Accounting (including auditing); Other fees; Consulting fees Service code 10 | — | $45K |
| SEYFARTH SHAW LLP EIN 36-2152202 NONE | Legal; Direct payment from the plan Service code 29 | — | $17K |
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 | 28,872 | 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) | 28,872 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(23 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | 1,216 | $19.4M |
| Dental(11 contracts, 2 carriers) | SIMNSA | 329 | $1.4M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 36,830 | $10.2M |
| Short-term disability(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 36,830 | $11.0M |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 36,830 | $10.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 36,830 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.