| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC Filed as: AON CONSULTING & INSURANCE SERVICES | 425 MARKET STREET STE# 2800 SAN FRANCISCO, CA 94105 | HEALTH NET | $25K | — | $25K | 0.49% |
| M3 INSURANCE SOLUTIONS INC | 828 NOLEN DRIVE MADISON, WI 53713 | PHYSICIAN PLUS INSURANCE COPR | $20K | $1K | $21K | 0.72% |
| JOHN HEALY | M3 INSURANCE SOLUTIONS INC 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DEAN HEALTH PLAN INC | $28K | — | $28K | 0.99% |
| JOHN HEALY | M3 INSURANCE SOLUTIONS INC 828 JOHN NOLEN DRIVE MADISON, WI 53713 | GROUP HEALTH COOPERATIVE OF SOUTH CENTRAL WISCONSIN | $27K | — | $27K | 1.93% |
| DISABILITY MGMT ALT, LLC3 Filed as: DISABILITY MANAGEMENT ALTERNATIVES | 9 FARM SPRINGS ROAD 1ST FLOOR FARMINGTON, CT 06032 | HARTFORD LIFE AND ACCIDENT | — | $16K | $16K | 2.51% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE DEPT 1926 NORTHERN TRUST BANK CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 0.44% |
| AON CONSULTING INC Filed as: AON | 707 WILSHIRE BLVD LOS ANGELES, CA 90017 | AETNA LIFE INSURANCE COMPANY | $33K | — | $33K | 8.90% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.95% |
| AON CONSULTING INC3 | PO BOX 905949 CHARLOTTE, NC 28290 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $937 | — | $937 | 0.55% |
| AON CONSULTING INC Filed as: AON CONSULTING | 199 WATER ST NEW YORK, NY 10038 | ACE AMERICAN INSURANCE COMPANY | $3K | — | $3K | 7.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS EIN 95-4331852 | Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | — | $1.2M |
| DELTA DENTAL EIN 94-1461312 | Contract Administrator Service code 13 | — | $217K |
| EXPRESS SCRIPTS EIN 22-3461740 | Claims processing; Contract Administrator Service code 12 | — | $152K |
| VISION SERVICE PLAN EIN 94-1632821 | Claims processing Service code 12 | — | $65K |
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 | 4,215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,024 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(12 contracts, 10 carriers) | INDEPENDENT HEALTH | 1,562 | $29.2M |
| Dental(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,449 | $2.6M |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,449 | $2.2M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 4,118 | $1.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,733 | $630K |
| Prescription drug(8 contracts, 7 carriers) | INDEPENDENT HEALTH | 1,562 | $26.6M |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 4,796 | $749K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,682 | $378K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,796 | — |
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.
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.