| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 100 BAYVIEW CIRCLE, SUITE 100 NEWPORT BEACH, CA 92660 | BLUE CROSS OF CALIFORNIA | $171K | $2K | $173K | 1.38% |
| AON CONSULTING INC3 Filed as: AON HEWITT | P.O. BOX 905494 CHARLOTTE, NC 282905494 | DELTA DENTAL OF CALIFORNIA | $10K | — | $10K | 0.62% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $64K | — | $64K | 8.79% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $17K | $17K | 2.38% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $8K | — | $8K | 4.94% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HYATT LEGAL PLANS | $5K | $670 | $6K | 8.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 17875 VON KARMAN AVE., SUITE 300 IRVINE, CA 926146200 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $88 | $3K | 5.80% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $652 | $652 | 1.14% |
| AON CONSULTING INC3 Filed as: AON HEWITT | P.O. BOX 905494 CHARLOTTE, NC 282905494 | DELTA DENTAL OF CALIFORNIA | $3K | — | $3K | 10.00% |
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 | 1,577 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,625 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,757 | $18.4M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 2,696 | $1.6M |
| Vision | VISION SERVICE PLAN | 930 | $166K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,577 | $726K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,577 | $726K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,757 | $18.4M |
| Other(6 contracts, 6 carriers) | BLUE CROSS OF CALIFORNIA | 1,757 | $13.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,696 | — |
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.