| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.83% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $750 | $750 | 0.76% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $513 | $513 | 0.72% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE & ACCIDENT INSURANCE | VARIOUS AGENTS POST OFFICE BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $4K | $14K | 22.76% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE & ACCIDENT INSURANCE | VARIOUS AGENTS POST OFFICE BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $3K | $11K | 31.82% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $157 | $157 | 0.77% |
| THE PAUL REVERE LIFE INSURANCE3 | VARIOUS AGENTS POST OFFICE BOX 1365 COLUMBIA, SC 292021365 | THE PAUL REVERE LIFE INSURANCE COMPANY | $824 | $41 | $865 | 15.16% |
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 | 465 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 323 | $5.2M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 610 | $263K |
| Vision | VISION SERVICE PLAN | 369 | $80K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 639 | $151K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 465 | $71K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 465 | $99K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 323 | $3.2M |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 655 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 655 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.