| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 29840 NETWORK PLACE CHICAGO, IL 60673 | HEALTH NET | $20K | — | $20K | 0.49% |
| JOHN HEALY3 | M3 INSURANCE SOLUTIONS INC. 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DEAN HEALTH PLAN INC. | $25K | — | $25K | 0.99% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 NOLEN DRIVE MADISON, WI 53713 | PHYSICIAN PLUS INSURANCE CORP | $19K | $1K | $20K | 0.82% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 9500 ARBORETUN BLVD., SUITE 100 AUSTIN, TX 78759 | AETNA LIFE INSURANCE CO. | — | $71 | $71 | 0.00% |
| JOHN HEALY3 | M3 INSURANCE SOLUTIONS INC. 828 JOHN NOLEN DRIVE MADISON, WI 53713 | GROUP HEALTH COOPERATIVE OF SOUTH CENTRAL WISCONSON | $37K | — | $37K | 2.89% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 707 WILSHIRE BLVD. LOS ANGELES, CA 90017 | AETNA LIFE INSURANCE CO. | $37K | — | $37K | 9.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 2.52% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DR., SUITE 1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.58% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA INTERNATIONAL | $16K | — | $16K | 10.00% |
| AXA ASSISTANCE, USA3 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | P.O. BOX 905494 CHARLOTTE, NC 282905494 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $798 | $798 | 0.53% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | ARAG INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS EIN 95-4331852 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Contract Administrator; Float revenue Service code 12 | — | $804K |
| DELTA DENTAL OF CALIFORNIA EIN 94-1461312 NONE | Claims processing Service code 12 | — | $199K |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Claims processing; Contract Administrator Service code 12 | — | $169K |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Claims processing Service code 12 | — | $59K |
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 | 4,184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 796 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,980 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 10 carriers) | INDEPENDENT HEALTH BENEFITS CORPORATION | 1,422 | $27.1M |
| Dental(2 contracts, 2 carriers) | HEALTH NET | 395 | $6.4M |
| Vision(2 contracts, 2 carriers) | HEALTH NET | 395 | $6.4M |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,123 | $1.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,733 | $175K |
| Prescription drug(8 contracts, 8 carriers) | INDEPENDENT HEALTH BENEFITS CORPORATION | 1,422 | $24.4M |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 4,603 | $606K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,184 | $317K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,603 | — |
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.