| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $170K | — | $170K | 4.60% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP-NATIONAL ACCOUNT SERVICES | 7272 E INDIAN SCHOOL RD SUITE 220 SCOTTSDALE, AZ 85251 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $15K | $15K | 0.40% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $119K | — | $119K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP-NATIONAL ACCOUNT SERVICES | 7272 E. INDIAN SCHOOL RD. SUITE 415 SCOTTSDALE, AZ 85251 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $9K | $9K | 0.39% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $93K | — | $93K | 5.00% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | UNITEDHEALTHCARE INSURANCE COMPANY | $45K | — | $45K | 3.92% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | HYATT LEGAL PLANS, INC. | $52K | — | $52K | 8.69% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC | LOCKBOX #741909, P.O. BOX 741909 ATLANTA, GA 303741909 | HYATT LEGAL PLANS, INC. | — | $2K | $2K | 0.30% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON PENNYSYLVANIA INC | PO BOX 9102 PHILADELPHIA, PA 191788500 | HYATT LEGAL PLANS, INC. | $0 | $42 | $42 | 0.01% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 5.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 100 BAYVIEW CIRCLE NEWPORT BEACH, CA 92660 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $370 | — | $370 | 4.60% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $140 | — | $140 | 4.61% |
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 | 9,738 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 370 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | ANTHEM HEALTH PLANS, INC. | 2,065 | $21.0M |
| Dental | HMSA HEALTH PLAN | 19 | $74K |
| Vision(5 contracts, 5 carriers) | UNITEDHEALTHCARE OF CALIFORNIA | 7,830 | $9.9M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 9,431 | $4.2M |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 127 | $8K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 9,449 | $3.7M |
| Prescription drug(4 contracts, 4 carriers) | UNITEDHEALTHCARE OF CALIFORNIA | 492 | $8.7M |
| Other(4 contracts, 3 carriers) | HYATT LEGAL PLANS, INC. | 6,297 | $983K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,449 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.