| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PL CHICAGO, IL 60673 | KAISER FOUNDATION HEALTH PLAN, INC | $78K | — | $78K | 2.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN, INC | $22K | — | $22K | 0.78% |
| LOCKTON COMPANIES, LLC3 | C/O COMERICA BANK PO BOX 92643 LOS ANGELES, CA 90009 | KAISER FOUNDATION HEALTH PLAN, INC | $8K | — | $8K | 0.29% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF PR | 304 PR-25 SAN JUAN, PR 00918 | TRIPLE S SALUD, INC. | $42K | — | $42K | 2.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON PUERTO RICO | THE ATRIUM BUSINESS CENTER 530 CONSTITUCION AVE SAN JUAN, PR 00901 | TRIPLE S SALUD, INC. | $3K | — | $3K | 0.17% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PL CHICAGO, IL 60673 | KAISER FOUNDATION HEALTH PLAN, INC | $7K | — | $7K | 0.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 1 WORLD FINANCIAL CTR FL 621 NEW YORK, NY 10281 | KAISER FOUNDATION HEALTH PLAN, INC | $2K | — | $2K | 0.20% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $8K | $30K | 6.05% |
| AON CONSULTING INC3 | PO BOX 803507 DALLAS, TX 75380 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 3.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 1 WORLD FINANCIAL CENTER 200 LIBERTY ST. 6TH FL, NEW YORK, NY 10281 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 0.60% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $6K | $24K | 6.51% |
| AON CONSULTING INC3 | PO BOX 803507 DALLAS, TX 75380 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 3.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 1 WORLD FINANCIAL CTR 200 LIBERTY ST 6TH FL NEW YORK, NY 10281 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 0.68% |
| HEWITT INSURANCE BROKERAGE LLC3 Filed as: HEWITT INSURANCE BROKERAGE | 39030 TREASURY CENTER CHICAGO, IL 60694 | AETNA LIFE INSURANCE COMPANY | $197K | — | $197K | 57.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 4557 NEW YORK, NY 10249 | AETNA LIFE INSURANCE COMPANY | $52K | — | $52K | 15.09% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $5K | $15K | 6.69% |
| AON CONSULTING INC3 | PO BOX 803507 DALLAS, TX 75380 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 4.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 1 WORLD FINANCIAL CTR 200 LIBERTY ST 6TH FL NEW YORK, NY 10281 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.61% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | AETNA LIFE INSURANCE COMPANY | $23K | — | $23K | 11.00% |
| AON CONSULTING INC3 | 44 WHIPPANY ROAD MORRISTOWN, NJ 07960 | AETNA LIFE INSURANCE COMPANY | $10K | — | $10K | 4.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 200 LIBERTY STREET NEW YORK, NY 10281 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 1.22% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $17K | — | $17K | 8.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 4557 NEW YORK, NY 10249 | VISION SERVICE PLAN | $5K | — | $5K | 2.27% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 897 12TH STREET HAMMONTON, NJ 08037 | LEGAL ACCESS PLANS, LLC | — | $23K | $23K | 58.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 200 LIBERTY STREET NEW YORK, NY 10281 | LEGAL ACCESS PLANS, LLC | — | $6K | $6K | 15.00% |
| AON CONSULTING INC3 | 44 WHIPPANY ROAD MORRISTOWN, NJ 07960 | DENTEGRA INSURANCE COMPANY | $1K | — | $1K | 5.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET NEW YORK, NY 10281 | DENTEGRA INSURANCE COMPANY | $352 | — | $352 | 1.56% |
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 | 2,596 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 296 | $5.7M |
| Dental | DENTEGRA INSURANCE COMPANY | 104 | $23K |
| Vision | VISION SERVICE PLAN | 1,005 | $202K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,227 | $501K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 576 | $230K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,227 | $372K |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 296 | $5.7M |
| Other(5 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,227 | $958K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,227 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.