| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - ILLINOIS | P.O. BOX 905494 CHARLOTTE, NC 28290 | KAISER FOUNDATION HEALTH PLAN INC. | $22K | — | $22K | 3.53% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SAN FRANCISCO | P.O. BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $3K | $19K | 10.18% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SVCS. | P.O. BOX 905494 CHARLOTTE, NC 282905494 | PROMINENCE HEALTH PLAN | $4K | — | $4K | 2.34% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - ILLINOIS | P.O. BOX 905494 CHARLOTTE, NC 28290 | KAISER FOUNDATION HEALTH PLAN INC. | $3K | — | $3K | 3.61% |
| PROTECTIVE FINANCIAL & INS SVCS3 | 322 NOPEL STREET SANTA BARBARA, CA 93103 | PROTECTIVE LIFE INSURANCE COMPANY | $151 | — | $151 | 2.51% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 118 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | AETNA LIFE INSURANCE COMPANY | 169 | $3.4M |
| Vision(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 160 | $969K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $192K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $186K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $186K |
| Prescription drug(7 contracts, 6 carriers) | AETNA LIFE INSURANCE COMPANY | 169 | $3.4M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.