| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | VISION SERVICE PLAN INSURANCE | $5K | — | $5K | 0.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD EIN 36-1236610 NONE | Other insurance fees and expenses; Claims processing; Contract Administrator Service code 12 | — | $2.9M |
| ALIGHT SOLUTIONS EIN 36-2235791 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $2.6M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Other insurance fees and expenses; Contract Administrator; Insurance agents and brokers Service code 13 | — | $1.7M |
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 NONE | Other insurance fees and expenses; Other services; Claims processing Service code 12 | — | $994K |
| CIGNA EIN 59-1031071 NONE | Claims processing; Float revenue; Other services; Participant communication; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Named fiduciary Service code 12 | — | $692K |
| AON CORPORATION EIN 36-3051915 NONE | Claims processing; Other insurance fees and expenses Service code 12 | — | $612K |
| EXPRESS SCRIPTS NONE | Other insurance fees and expenses; Claims processing Service code 12 | 100 PARSONS POND DRVE FRANKLIN LAKES, NJ 07417 | $383K |
| CONSUMERMEDICAL NONE | Insurance services; Direct payment from the plan Service code 23 | 64 SCHOOSETT STREET PEMBROKE, MA 02359 | $159K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Other insurance fees and expenses; Contract Administrator Service code 13 | — | $106K |
| SEYFARTH SHAW LLP EIN 36-2152202 NONE | Legal; Direct payment from the plan Service code 29 | — | $92K |
| BELL LITHO INC. EIN 36-2550923 NONE | Other fees; Copying and duplicating Service code 36 | — | $91K |
| BANNER HEALTH AND AETNA HEALTH INS. EIN 81-5281115 NONE | Insurance agents and brokers; Contract Administrator; Other insurance fees and expenses Service code 13 | — | $63K |
| CROWE LLP EIN 35-0921680 NONE | Consulting fees; Other fees; Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $55K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $38K |
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 | 21,392 | 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) | 21,392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(23 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 770 | $12.2M |
| Dental(18 contracts, 2 carriers) | SIMNSA | 228 | $1.0M |
| Vision | VISION SERVICE PLAN INSURANCE | 11,184 | $1.7M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 26,183 | $6.3M |
| Short-term disability(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 26,183 | $6.9M |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 26,183 | $6.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,183 | — |
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.