| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON BENEFIT SERVICES INC | PO BOX 905494 CHARLOTTE, NC 282905494 | HARVARD PILGRIM HEALTH CARE | $47K | $0 | $47K | 1.49% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 1001 BRICKELL BAY DRIVE MIAMI, FL 33131 | CAREFIRSTBLUECHOICE | $44K | $87 | $44K | 1.75% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADMINISTRATIVE SRVS | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21284 | CAREFIRSTBLUECHOICE | $0 | $17K | $17K | 0.67% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $153K | $12K | $165K | 8.20% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $22K | $2K | $24K | 5.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | PO BOX 905494 CHARLOTTE, NC 282905494 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.15% |
| AON CONSULTING INC3 Filed as: AON BENEFIT SERVICES INC | PO BOX 905494 CHARLOTTE, NC 282905494 | HARVARD PILGRIM HEALTH CARE | $200 | $0 | $200 | 1.19% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $3K | $0 | $3K | 20.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF NY | 199 WATER STREET NEW YORK, NY 10038 | FEDERAL INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $233 | $0 | $233 | 15.01% |
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 | 2,110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 513 | $5.7M |
| Vision | VISION SERVICE PLAN | 900 | $163K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,741 | $431K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,952 | $2.0M |
| Prescription drug | CAREFIRSTBLUECHOICE | 513 | $2.5M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,110 | $445K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,110 | — |
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."
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.